{"id":582,"date":"2022-08-26T21:52:35","date_gmt":"2022-08-26T21:52:35","guid":{"rendered":"https:\/\/www.firststatemortgage.biz\/?page_id=582"},"modified":"2023-03-07T03:40:54","modified_gmt":"2023-03-07T03:40:54","slug":"rent-or-own","status":"publish","type":"page","link":"https:\/\/www.firststatemortgage.biz\/calculators\/rent-or-own\/","title":{"rendered":"Rent or Own?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"582\" class=\"elementor elementor-582\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-325efa1 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"325efa1\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;waves&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-48d9390\" data-id=\"48d9390\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-40cfbc7 elementor-widget elementor-widget-heading\" data-id=\"40cfbc7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">RENT OR OWN?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-008ab61 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"008ab61\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-433f980\" data-id=\"433f980\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fdc5ebe elementor-widget elementor-widget-heading\" data-id=\"fdc5ebe\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Should I Rent Or Buy A House?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e16a002 elementor-widget elementor-widget-text-editor\" data-id=\"e16a002\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>When you&#8217;re ready to buy a home or refinance your current one, the first step is finding the right mortgage. You want a loan that gives you the best chance of qualifying for a low-interest rate, with monthly payments you can afford. But with so many different types of mortgages available, it can be tough to know where to start.<\/p><p>A 15-year mortgage is a great option if you can afford the higher monthly payment. You&#8217;ll save money on interest over the life of the loan, and you&#8217;ll build equity in your home more quickly.<\/p><p>If you&#8217;re looking for a lower monthly payment, a 30-year mortgage may be a better fit. You&#8217;ll pay more interest over time, but you&#8217;ll have more flexibility in how you use your income.<\/p><p>No matter which type of mortgage you choose, First State Mortgage is here to help you through the process. We offer a variety of loan programs and our mortgage bankers will guide you through each one to find the best fit for your unique situation.<\/p><p>The process of securing a mortgage can be daunting, but with First State Mortgage by your side every step of the way, we&#8217;ll ensure a smooth and stress-free experience. We can close loans quickly so you can move into your new home sooner.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-4202b75 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"4202b75\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2ce838e\" data-id=\"2ce838e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-347811f elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-heading\" data-id=\"347811f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Rent Vs. Own Calculator<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1b0695 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"a1b0695\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>To estimate the benefits of owning a home as opposed to renting, fill in the form below and click the Calculate button.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4e4642 elementor-widget elementor-widget-shortcode\" data-id=\"e4e4642\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32e3e05 elementor-widget elementor-widget-shortcode\" data-id=\"32e3e05\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\">\t<link rel=\"stylesheet\" type=\"text\/css\" href=\"https:\/\/www.firststatemortgage.biz\/wp-content\/themes\/astra-child\/rentorown\/rentbuymain.css\" \/>\n\t<script>\n\t\tfunction serial_number(num) {\n\n\t\t   num=num.toString();\n\n\n\t\t   var len = num.length;\n\t\t   var rnum = \"\";\n\t\t   var test = \"\";\n\t\t   var j = 0;\n\n\t\t   var b = num.substring(0,1);\n\t\t   if(b == \"-\") {\n\t\t\t  rnum = \"-\";\n\t\t   }\n\n\t\t   for(i = 0; i <= len; i++) {\n\n\t\t\t  b = num.substring(i,i+1);\n\n\t\t\t  if(b == \"0\" || b == \"1\" || b == \"2\" || b == \"3\" || b == \"4\" || b == \"5\" || b == \"6\" || b == \"7\" || b == \"8\" || b == \"9\" || b == \".\") {\n\t\t\t\t rnum = rnum + \"\" + b;\n\n\t\t\t  }\n\n\t\t   }\n\n\t\t   if(rnum == \"\" || rnum == \"-\") {\n\t\t\t  rnum = 0;\n\t\t   }\n\n\t\t   rnum = Number(rnum);\n\n\t\t   return rnum;\n\n\t\t}\n\n\n\n\t\tfunction calculateResult(num, places, comma, type, show) {\n\n\t\t\tvar sym_1 = \"$\";\n\t\t\tvar sym_2 = \"\"; \n\n\t\t\tvar iserial_numbereg=0;\n\n\t\t\tif(num < 0) {\n\t\t\t   num=num*-1;\n\t\t\t   iserial_numbereg=1;\n\t\t\t}\n\n\t\t\tvar myDecFact = 1;\n\t\t\tvar myPlaces = 0;\n\t\t\tvar myZeros = \"\";\n\t\t\twhile(myPlaces < places) {\n\t\t\t   myDecFact = myDecFact * 10;\n\t\t\t   myPlaces = Number(myPlaces) + Number(1);\n\t\t\t   myZeros = myZeros + \"0\";\n\t\t\t}\n\t\t\t\n\t\t\tonum=Math.round(num*myDecFact)\/myDecFact;\n\t\t\t\t\n\t\t\tinteger=Math.floor(onum);\n\n\t\t\tif (Math.ceil(onum) == integer) {\n\t\t\t\tdecimal=myZeros;\n\t\t\t} else{\n\t\t\t\tdecimal=Math.round((onum-integer)* myDecFact)\n\t\t\t}\n\t\t\tdecimal=decimal.toString();\n\t\t\tif (decimal.length<places) {\n\t\t\t\tfillZeroes = places - decimal.length;\n\t\t\t   for (z=0;z<fillZeroes;z++) {\n\t\t\t\tdecimal=\"0\"+decimal;\n\t\t\t\t}\n\t\t\t }\n\n\t\t   if(places > 0) {\n\t\t\t  decimal = \".\" + decimal;\n\t\t   }\n\n\t\t   if(comma == 1) {\n\t\t\tinteger=integer.toString();\n\t\t\tvar tmpnum=\"\";\n\t\t\tvar tmpinteger=\"\";\n\t\t\tvar y=0;\n\n\t\t\tfor (x=integer.length;x>0;x--) {\n\t\t\t\ttmpnum=tmpnum+integer.charAt(x-1);\n\t\t\t\ty=y+1;\n\t\t\t\tif (y==3 & x>1) {\n\t\t\t\t\ttmpnum=tmpnum+\",\";\n\t\t\t\t\ty=0;\n\t\t\t\t}\n\t\t\t}\n\n\t\t\tfor (x=tmpnum.length;x>0;x--) {\n\t\t\t\ttmpinteger=tmpinteger+tmpnum.charAt(x-1);\n\t\t\t}\n\n\n\t\t\tfinNum=tmpinteger+\"\"+decimal;\n\t\t   } else {\n\t\t\t  finNum=integer+\"\"+decimal;\n\t\t   }\n\n\t\t\tif(iserial_numbereg == 1) {\n\t\t\t   if(type == 1 && show == 1) {\n\t\t\t\t  finNum = \"-\" + sym_1 + \"\" + finNum + \"\" + sym_2;\n\t\t\t   } else {\n\t\t\t\t  finNum = \"-\" + finNum;\n\t\t\t   }\n\t\t\t} else {\n\t\t\t   if(show == 1) {\n\t\t\t\t  if(type == 1) {\n\t\t\t\t\t finNum = sym_1 + \"\" + finNum + \"\" + sym_2;\n\t\t\t\t  } else\n\t\t\t\t  if(type == 2) {\n\t\t\t\t\t finNum = finNum + \"%\";\n\t\t\t\t  }\n\n\t\t\t   }\n\n\t\t\t}\n\n\t\t\treturn finNum;\n\t\t}\n\n\n\t\tfunction calculateForm(form) {\n\n\t\t   var VmoRent = serial_number(document.calc.moRent.value);\n\t\t   var VhomeCost = serial_number(document.calc.homeCost.value);\n\t\t   var VnoYears = serial_number(document.calc.noYears.value);\n\t\t   var v_pay_rate = serial_number(document.calc.payRate.value);\n\t\t   var VstayYrs = serial_number(document.calc.stayYrs.value);\n\n\t\t   if(VmoRent == 0) {\n\t\t   } else\n\t\t\t  if(VhomeCost == 0) {\n\t\t   } else\n\t\t\t  if(VnoYears == 0) {\n\t\t   } else\n\t\t\t  if(v_pay_rate == 0) {\n\t\t   } else\n\t\t\t  if(VstayYrs == 0) {\n\t\t   } else {\n\n\t\t\t \n\t\t\t  var VtotRent = 0;\n\n\t\t\t  var VmoRentIns = serial_number(document.calc.moRentIns.value);\n\t\t\t  if(VmoRentIns == \"\" || VmoRentIns == 0) {\n\t\t\t\t VmoRentIns = 0\n\t\t\t  }\n\n\t\t\t  var VinflateRate = serial_number(document.calc.inflateRate.value);\n\t\t\t  if(VinflateRate == \"\" || VinflateRate == 0) {\n\t\t\t\t VinflateRate = 0\n\t\t\t  } else {\n\t\t\t\t VinflateRate = VinflateRate \/ 100;\n\t\t\t  }\n\t\t\t  VinflateRate = Number(VinflateRate) + Number(1);\n\n\t\t\t \n\t\t\t  var VstayMonths = VstayYrs * 12;\n\t\t\t  var count = 0;\n\n\t\t\t\n\t\t\t  if(v_pay_rate > 1.0) {\n\t\t\t\t v_pay_rate = v_pay_rate \/ 100.0;\n\t\t\t  }\n\t\t\t  v_pay_rate \/= 12;\n\n\t\t\t  var VdownPmt = serial_number(document.calc.downPmt.value);\n\n\t\t\t  var VorigPrin = Number(VhomeCost) - Number(VdownPmt);\n\t\t\t  var intPort = 0;\n\t\t\t  var VaccumInt = 0;\n\t\t\t  var prinPort = 0;\n\t\t\t  var prin = VorigPrin;\n\n\t\t\t \n\t\t\t  var noMonths = VnoYears * 12;\n\n\t\t\t  var pow = 1;\n\t\t\t  for (var j = 0; j < noMonths; j++) {\n\t\t\t\t pow = pow * (1 + v_pay_rate);\n\t\t\t  }\n\n\t\t\t  var VmoPmt = (VorigPrin * pow * v_pay_rate) \/ (pow - 1);\n\n\t\t\t \n\t\t\t  var VapprecRate = serial_number(document.calc.apprecRate.value);\n\t\t\t  if(VapprecRate == \"\" || VapprecRate == 0) {\n\t\t\t\t VapprecRate = 0;\n\t\t\t  } else\n\t\t\t  if(VapprecRate >= 0) {\n\t\t\t\t VapprecRate = VapprecRate \/ 100;\n\t\t\t  }\n\t\t\t  VapprecRate = Number(VapprecRate) + Number(1);\n\t\t\t  var VaccumApprec = VhomeCost * VapprecRate;\n\n\t\t\t  \n\t\t\t  var Vpmi = serial_number(document.calc.pmi.value);\n\t\t\t  if(Vpmi == 0 || Vpmi == \"\") {\n\t\t\t\t Vpmi = 0;\n\t\t\t  } else\n\t\t\t  if(Vpmi >= .01) {\n\t\t\t\t Vpmi = Vpmi \/ 100;\n\t\t\t  }\n\t\t\t  Vpmi = Vpmi \/ 12;\n\t\t\t  var pmiYN = 0;\n\t\t\t  var VaccumPmi = 0;\n\t\t\t  var downPayPerc = VdownPmt \/ VhomeCost;\n\t\t\t  if(downPayPerc < .20) {\n\t\t\t\t pmiYN = 1;\n\t\t\t\t VaccumPmi = 0;\n\t\t\t  }\n\n\t\t\t  \n\t\t\t  var Vfees = serial_number(document.calc.fees.value);\n\t\t\t  if(Vfees == 0 || Vfees == \"\") {\n\t\t\t\t Vfees = 0;\n\t\t\t  } else {\n\t\t\t\t Vfees = Vfees \/ 100;\n\t\t\t  }\n\t\t\t  var VfeeCost = VorigPrin * Vfees;\n\n\t\t\t \n\t\t\t  var Vpoints = serial_number(document.calc.points.value);\n\t\t\t  if(Vpoints == 0 || Vpoints == \"\") {\n\t\t\t\t Vpoints = 0;\n\t\t\t  } else {\n\t\t\t\t Vpoints = Vpoints \/ 100;\n\t\t\t  }\n\t\t\t  var VpointCost = VorigPrin * Vpoints;\n\n\t\t\t \n\t\t\t  var VloanCosts= serial_number(document.calc.loanCosts.value);\n\t\t\t  if(VloanCosts == 0 || VloanCosts == \"\") {\n\t\t\t\t VloanCosts = 0;\n\t\t\t  }\n\n\t\t\t \n\t\t\t  var VclosingCosts = Number(VpointCost) + Number(VfeeCost) + Number(VloanCosts);\n\n\t\t\t \n\t\t\t  var VinvestIntPort = 0;\n\t\t\t  var VinvestPrin = Number(VdownPmt) + Number(VclosingCosts);\n\n\t\t\t  var earnInt = serial_number(document.calc.saveRate.value);\n\t\t\t  earnInt \/= 100;\n\t\t\t  earnInt \/= 12;\n\n\t\t\t  \n\t\t\t  var VaccumInflate = 1;\n\n\t\t\t  \n\t\t\t  while(count < VstayMonths) {\n\n\t\t\t\t \n\t\t\t\t if(count > 0 && count % 12 == 0) {\n\t\t\t\t\tVaccumApprec = VaccumApprec * VapprecRate;\n\t\t\t\t\tVmoRent = VmoRent * VinflateRate;\n\t\t\t\t\tVaccumInflate = VaccumInflate * VinflateRate;\n\t\t\t\t }\n\t\t\t\t VtotRent = Number(VtotRent) + Number(VmoRent);\n\t\t\t\t VtotRent = Number(VtotRent) + Number(VmoRentIns);\n\n\t\t\t\t \n\t\t\t\t if(count < noMonths) {\n\t\t\t\t\tintPort = prin * v_pay_rate;\n\t\t\t\t\tVaccumInt = Number(VaccumInt) + Number(intPort)\n\t\t\t\t\tprinPort = Number(VmoPmt) - Number(intPort);\n\t\t\t\t\tprin = Number(prin) - Number(prinPort);\n\t\t\t\t }\n\n\t\t\t\t \n\t\t\t\t if(pmiYN == 1) {\n\t\t\t\t\tVaccumPmi = Number(VaccumPmi) + Number(Vpmi * prin);\n\t\t\t\t }\n\n\t\t\t\t\n\t\t\t\t VinvestIntPort = earnInt * VinvestPrin;\n\t\t\t\t VinvestPrin = Number(VinvestPrin) + Number(VinvestIntPort);\n\n\t\t\t\t \n\t\t\t\t count = Number(count) + Number(1);\n\t\t\t  }\n\n\t\t\t  \n\t\t\t  var VassocDues = serial_number(document.calc.assocDues.value);\n\t\t\t  if(VassocDues == \"\" || VassocDues == 0) {\n\t\t\t\t VassocDues = 0;\n\t\t\t  }\n\t\t\t  var VtotAssocDues = VassocDues * 12 * VstayYrs * VaccumInflate;\n\n\t\t\t \n\t\t\t  var VpropTax = serial_number(document.calc.propTax.value);\n\t\t\t  if(VpropTax == \"\" || VpropTax == 0) {\n\t\t\t\t VpropTax = 0;\n\t\t\t  }\n\t\t\t  var VtotPropTax = VpropTax * VstayYrs * VaccumInflate;\n\n\t\t\t \n\t\t\t  var Vmaint = document.calc.maint.value;\n\t\t\t  if(Vmaint == \"\" || Vmaint == 0) {\n\t\t\t\t Vmaint = 0;\n\t\t\t  }\n\t\t\t  var VtotMaintCost = Vmaint * 12 * VstayYrs * VaccumInflate;\n\n\t\t\t \n\t\t\t  var VhomeIns = serial_number(document.calc.homeIns.value);\n\t\t\t  if(VhomeIns == \"\" || VhomeIns == 0) {\n\t\t\t\t VhomeIns = 0;\n\t\t\t  } \n\t\t\n\t\t\t  var VtotHomeInsCost = VhomeIns * VstayYrs * VaccumInflate;\n\n\t\t\t\n\t\t\t  var VnetGain = Number(VaccumApprec) - Number(VhomeCost);\n\n\t\t\t  \n\t\t\t  var VtotTaxDeduct = Number(VaccumInt) + Number(VtotPropTax) + Number(VfeeCost);\n\t\t\t  var VincomeTax = serial_number(document.calc.incomeTax.value);\n\t\t\t  if(VincomeTax == 0 || VincomeTax == \"\") {\n\t\t\t\t VincomeTax = 0;\n\t\t\t  } else {\n\t\t\t\t VincomeTax = VincomeTax \/ 100;\n\t\t\t  }\n\t\t\t  var VtotTaxSave = VincomeTax * VtotTaxDeduct;\n\n\t\t\t  var VrealtorCom = serial_number(document.calc.realtorCom.value);\n\t\t\t  if(VrealtorCom == 0 || VrealtorCom == \"\") {\n\t\t\t\t VrealtorCom = 0;\n\t\t\t  } else {\n\t\t\t\t VrealtorCom = VrealtorCom \/ 100;\n\t\t\t  }\n\t\t\t  var VsellCost = VaccumApprec * VrealtorCom;\n\n\t\t\t \n\t\t\t  var VinvestEarn = Number(VinvestPrin) - Number(VdownPmt) - Number(VclosingCosts);\n\n\t\t\t  document.calc.totRent.value = VtotRent;\n\t\t\t  document.calc.moPmt.value = VmoPmt;\n\t\t\t  document.calc.accumInt.value = VaccumInt;\n\t\t\t  document.calc.closeCosts.value = VclosingCosts;\n\t\t\t  document.calc.totPropTax.value = VtotPropTax;\n\t\t\t  document.calc.totMaintCost.value = VtotMaintCost;\n\t\t\t  document.calc.totHomeInsCost.value = VtotHomeInsCost;\n\t\t\t  document.calc.netGain.value = VnetGain;\n\t\t\t  document.calc.pmiCost.value = VaccumPmi;\n\t\t\t  document.calc.investPrin.value = VinvestEarn;\n\t\t\t  document.calc.totAssocDues.value = VtotAssocDues;\n\t\t\t  document.calc.totTaxSave.value = VtotTaxSave;\n\t\t\t  document.calc.sellCost.value = VsellCost;\n\n\t\t\t  var VtotRentCosts = VtotRent;\n\t\t\t  document.calc.totRentCosts.value = VtotRentCosts;\n\t\t\t  var VtotRentBenefits = VinvestEarn;\n\t\t\t  document.calc.totRentBenefits.value = VtotRentBenefits;\n\t\t\t  var VnetRentCost = Number(VtotRent) - Number(VinvestEarn);\n\n\t\t\t  var VtotBuyCosts = Number(VaccumInt) + Number(VclosingCosts) + Number(VtotPropTax) + Number(VtotMaintCost) + Number(VtotHomeInsCost) + Number(VaccumPmi) + Number(VtotAssocDues) + Number(VsellCost);\n\t\t\t  document.calc.totBuyCosts.value = VtotBuyCosts;\n\n\t\t\t  var VtotBuyBenefits = Number(VnetGain) + Number(VtotTaxSave);\n\t\t\t  document.calc.totBuyBenefits.value = VtotBuyBenefits;\n\t\t\t  var VnetBuyCost = Number(VtotBuyCosts) - Number(VtotBuyBenefits);\n\n\n\t\t\t  document.calc.netRentCost.value = calculateResult(VnetRentCost,2,1,1,1);\n\t\t\t  document.calc.netBuyCost.value = calculateResult(VnetBuyCost,2,1,1,1);\n\n\t\t\t  var diff = 0;\n\t\t\t  var Vsummary = \"\";\n\t\t\t  if(VnetRentCost > VnetBuyCost) {\n\t\t\t\t diff = Number(VnetRentCost) - Number(VnetBuyCost);\n\t\t\t\t Vsummary = \"You will save \" + calculateResult(diff,2,1,1,1) + \" if you buy instead of rent.\"\n\t\t\t  } else {\n\t\t\t\t diff = Number(VnetBuyCost) - Number(VnetRentCost);\n\t\t\t\t Vsummary = \"You will save \" + calculateResult(diff,2,1,1,1) + \" if you rent instead of buy.\"\n\t\t\t  }\n\n\t\t\t  document.calc.h_summary.value = Vsummary;\n\n\t\t\t  var v_summary_cell = document.getElementById(\"summary\");\n\t\t\t  v_summary_cell.innerHTML = \"<h3><strong>Summary:<\/strong> \" + Vsummary + \"<\/h3>\";\n\n\t\t   }\n\n\t\t}\n\n\n\t\tfunction help(help_id,txt) {\n\n\n\t\t   var help_cell = document.getElementById(\"help_\" + help_id + \"\");\n\t\t   help_cell.innerHTML = \"<font face='arial'><small>\" + txt + \"<\/small>\";\n\n\t\t   for(var i = 1; i<6; i++) {\n\n\t\t\t  if(i != help_id) {\n\n\t\t\t\t var clear_cell = document.getElementById(\"help_\" + i + \"\");\n\t\t\t\t clear_cell.innerHTML = \"\";\n\t\t\t  }\n\t\t   }\n\n\t\t}\n\n\t\tfunction clear_results(form) {\n\n\t\t   var v_summary_cell = document.getElementById(\"summary\");\n\t\t   v_summary_cell.innerHTML = \"\";\n\n\t\t   document.calc.netRentCost.value = \"\";\n\t\t   document.calc.netBuyCost.value = \"\";\n\n\t\t}\n\n\t\tfunction reset_calc(form) {\n\n\t\t   var v_summary_cell = document.getElementById(\"summary\");\n\t\t   v_summary_cell.innerHTML = \"\";\n\n\t\t   var help_cell_1 = document.getElementById(\"help_1\");\n\t\t   help_cell_1.innerHTML = \"\";\n\n\t\t   var help_cell_2 = document.getElementById(\"help_2\");\n\t\t   help_cell_2.innerHTML = \"\";\n\n\t\t   var help_cell_3 = document.getElementById(\"help_3\");\n\t\t   help_cell_3.innerHTML = \"\";\n\n\t\t   var help_cell_4 = document.getElementById(\"help_4\");\n\t\t   help_cell_4.innerHTML = \"\";\n\n\t\t   var help_cell_5 = document.getElementById(\"help_5\");\n\t\t   help_cell_5.innerHTML = \"\";\n\n\t\t   document.calc.reset();\n\n\t\t}\n\n\n\t\tfunction showReport(form) {\n\n\t\t   calculateForm(form);\n\n\t\t   var part1 = \"<html><head><title>Rent Vs. Buy Report<\/title>\";\n\t\t   part1 += \"<\/head><b\";\n\t\t   part1 += \"od\";\n\t\t   part1 += \"y><br \/><br \/><center><\/center>\";\n\n\t\t   var part2 = \"<center><table border=''1 cellspacing='0' cellpadding='4'><tr>\";\n\t\t   part2 += \"<td colspan='2' align='center'><font face='arial'><big><strong>Rent<\/strong><\/big>\";\n\t\t   part2 += \"<\/td><td align='center'><font face='arial'><big><strong>vs.<\/strong><\/big><\/td>\";\n\t\t   part2 += \"<td colspan=2 align='center'><font face='arial'><big><strong>Buy<\/strong><\/big>\";\n\t\t   part2 += \"<\/td><\/tr><tr><td colspan=2 valign='top'><font face='arial'><small><strong>\";\n\t\t   part2 += \"Monthly Rent Payment: \" + calculateResult(document.calc.moRent.value,2,1,1,1) + \"<br \/>\";\n\t\t   part2 += \"Annual Return on Investment: \" + calculateResult(document.calc.saveRate.value,2,0,2,1) + \"<\/strong>\";\n\t\t   part2 += \"<\/small><\/td><td> <\/td><td colspan=2><font face='arial'><small><strong>\";\n\t\t   part2 += \"Purchase Price: \" + calculateResult(document.calc.homeCost.value,2,1,1,1) + \"<br \/>Down \";\n\t\t   part2 += \"Payment: \" + calculateResult(document.calc.downPmt.value,2,1,1,1) + \"<br \/>Mortgage \";\n\t\t   part2 += \"Term: \" + document.calc.noYears.value + \" years<br \/>Interest \";\n\t\t   part2 += \"Rate: \" + calculateResult(document.calc.payRate.value,2,0,2,1) + \"<br \/>Monthly Mortgage \";\n\t\t   part2 += \"Payment: \" + calculateResult(document.calc.moPmt.value,2,1,1,1) + \"<br \/><\/strong><\/small>\";\n\t\t   part2 += \"<\/td><\/tr><tr><td colspan=5><center><font face='arial'><big><strong>Cost Benefit \";\n\t\t   part2 += \"Analysis<\/strong><\/big><br \/><font face='arial'><small><small>Calculations \";\n\t\t   part2 += \"are based upon a \" + document.calc.inflateRate.value + \"% annual inflation rate over \";\n\t\t   part2 += \"the course of \" + document.calc.stayYrs.value + \" years (the time between now and \";\n\t\t   part2 += \"when you estimate you would sell the home). Please allow for slight rounding\";\n\t\t   part2 += \" differences.<\/small><\/small><\/center><\/td><\/tr><tr bgcolor='#CCCCCC'>\";\n\t\t   part2 += \"<td><font face='arial'><small><strong>Renting Costs<\/strong><\/small><\/td><td>\";\n\t\t   part2 += \"<font face='arial'><small><strong>Amount<\/strong><\/small><\/td><td> <\/td><td>\";\n\t\t   part2 += \"<font face='arial'><small><strong>Buying Costs<\/strong><\/small><\/td><td>\";\n\t\t   part2 += \"<font face='arial'><small><strong>Amount<\/strong><\/small><\/td><\/tr>\";\n\n\t\t   var rows = \"\";\n\t\t   rows += \"<tr><td><font face='arial'><small>Total Rent & Insurance Payments:<\/small>\";\n\t\t   rows += \"<\/td><td align='right'><font face='arial'>\";\n\t\t   rows += \"<small>\" + calculateResult(document.calc.totRent.value,2,1,1,1) + \"<\/small><\/td>\";\n\t\t   rows += \"<td> <\/td><td><font face='arial'><small>Total of Interest Payments:<\/small>\";\n\t\t   rows += \"<\/td><td align='right'><font face='arial'>\";\n\t\t   rows += \"<small>\" + calculateResult(document.calc.accumInt.value,2,1,1,1) + \"<\/small><\/td><\/tr>\";\n\n\t\t   rows += \"<tr><td align='right'> <\/td><td> <\/td><td> <\/td><td>\";\n\t\t   rows += \"<font face='arial'><small>Total Closing Costs:<\/small><\/td>\";\n\t\t   rows += \"<td align='right'><font face='arial'>\";\n\t\t   rows += \"<small>\" + calculateResult(document.calc.closeCosts.value,2,1,1,1) + \"<\/small><\/td><\/tr>\";\n\n\t\t   rows += \"<tr><td align='right'> <\/td><td> <\/td><td> <\/td><td>\";\n\t\t   rows += \"<font face='arial'><small>Total Property Tax Costs:<\/small><\/td>\";\n\t\t   rows += \"<td align='right'><font face='arial'>\";\n\t\t   rows += \"<small>\" + calculateResult(document.calc.totPropTax.value,2,1,1,1) + \"<\/small><\/td><\/tr>\";\n\n\t\t   rows += \"<tr><td align='right'> <\/td><td> <\/td><td> <\/td><td>\";\n\t\t   rows += \"<font face='arial'><small>Total Maintenance Costs:<\/small><\/td>\";\n\t\t   rows += \"<td align='right'><font face='arial'>\";\n\t\t   rows += \"<small>\" + calculateResult(document.calc.totMaintCost.value,2,1,1,1) + \"<\/small><\/td><\/tr>\";\n\n\t\t   rows += \"<tr><td align='right'> <\/td><td> <\/td><td> <\/td><td>\";\n\t\t   rows += \"<font face='arial'><small>Total Homeowner's Insurance Costs:<\/small>\";\n\t\t   rows += \"<\/td><td align='right'><font face='arial'>\";\n\t\t   rows += \"<small>\" + calculateResult(document.calc.totHomeInsCost.value,2,1,1,1) + \"<\/small><\/td><\/tr>\";\n\n\t\t   rows += \"<tr><td align='right'> <\/td><td> <\/td><td> <\/td><td>\";\n\t\t   rows += \"<font face='arial'><small>Total Association Dues:<\/small><\/td>\";\n\t\t   rows += \"<td align='right'><font face='arial'>\";\n\t\t   rows += \"<small>\" + calculateResult(document.calc.totAssocDues.value,2,1,1,1) + \"<\/small><\/td><\/tr>\";\n\n\t\t   rows += \"<tr><td align='right'> <\/td><td> <\/td><td> <\/td><td>\";\n\t\t   rows += \"<font face='arial'><small>Total PMI Costs:<\/small><\/td>\";\n\t\t   rows += \"<td align='right'><font face='arial'>\";\n\t\t   rows += \"<small>\" + calculateResult(document.calc.pmiCost.value,2,1,1,1) + \"<\/small><\/td><\/tr>\";\n\n\t\t   rows += \"<tr><td align='right'> <\/td><td> <\/td><td> <\/td><td>\";\n\t\t   rows += \"<font face='arial'><small>Cost of selling home:<\/small><\/td>\";\n\t\t   rows += \"<td align='right'><font face='arial'>\";\n\t\t   rows += \"<small>\" + calculateResult(document.calc.sellCost.value,2,1,1,1) + \"<\/small><\/td><\/tr>\";\n\n\t\t   rows += \"<tr><td align='right'><font face='arial'><small><strong>Total Costs<\/strong><\/small>\";\n\t\t   rows += \"<\/td><td align='right'><font face='arial'><small>\";\n\t\t   rows += \"<strong>\" + calculateResult(document.calc.totRentCosts.value,2,1,1,1) + \"<\/strong><\/small><\/td>\";\n\t\t   rows += \"<td> <\/td><td align='right'><font face='arial'><small><strong>Total Costs<\/strong>\";\n\t\t   rows += \"<\/small><\/td><td align='right'><font face='arial'><small>\";\n\t\t   rows += \"<strong>\" + calculateResult(document.calc.totBuyCosts.value,2,1,1,1) + \"<\/strong><\/small><\/td><\/tr>\";\n\n\t\t   rows += \"<tr><td align='right'> <\/td><td> <\/td><td> <\/td><td> <\/td>\";\n\t\t   rows += \"<td align='right'> <\/td><\/tr>\";\n\n\t\t   rows += \"<tr bgcolor='#CCCCCC'><td><font face='arial'><small><strong>Renting Benefits<\/strong>\";\n\t\t   rows += \"<\/small><\/td><td><font face='arial'><small><strong>Amount<\/strong><\/small>\";\n\t\t   rows += \"<\/td><td> <\/td><td><font face='arial'><small><strong>Buying Benefits<\/strong><\/small>\";\n\t\t   rows += \"<\/td><td><font face='arial'><small><strong>Amount<\/strong><\/small><\/td><\/tr>\";\n\n\t\t   rows += \"<tr><td><font face='arial'><small>Interest Earned on Invested Funds:<\/small>\";\n\t\t   rows += \"<\/td><td align='right'><font face='arial'>\";\n\t\t   rows += \"<small>\" + calculateResult(document.calc.investPrin.value,2,1,1,1) + \"<\/small><\/td>\";\n\t\t   rows += \"<td> <\/td><td><font face='arial'><small>Tax Savings:<\/small><\/td>\";\n\t\t   rows += \"<td align='right'><font face='arial'>\";\n\t\t   rows += \"<small>\" + calculateResult(document.calc.totTaxSave.value,2,1,1,1) + \"<\/small><\/td><\/tr>\";\n\n\t\t   rows += \"<tr><td align='right'> <\/td><td> <\/td><td> <\/td><td>\";\n\t\t   rows += \"<font face='arial'><small>Home Appreciation:<\/small><\/td><td align='right'>\";\n\t\t   rows += \"<font face='arial'><small>\" + calculateResult(document.calc.netGain.value,2,1,1,1) + \"<\/small>\";\n\t\t   rows += \"<\/td><\/tr>\";\n\n\t\t   rows += \"<tr><td align='right'><font face='arial'><small><strong>Total Benefits<\/strong><\/small>\";\n\t\t   rows += \"<\/td><td align='right'><font face='arial'><small>\";\n\t\t   rows += \"<strong>\" + calculateResult(document.calc.totRentBenefits.value,2,1,1,1) + \"<\/strong><\/small><\/td>\";\n\t\t   rows += \"<td> <\/td><td align='right'><font face='arial'><small><strong>Total Benefits<\/strong>\";\n\t\t   rows += \"<\/small><\/td><td align='right'><font face='arial'><small>\";\n\t\t   rows += \"<strong>\" + calculateResult(document.calc.totBuyBenefits.value,2,1,1,1) + \"<\/strong><\/small><\/td><\/tr>\";\n\n\t\t   rows += \"<tr><td align='right'><font face='arial'><small><strong>NET COST OF RENTING:<\/strong>\";\n\t\t   rows += \"<\/small><\/td><td align='right'><font face='arial'><small>\";\n\t\t   rows += \"<strong>\" + document.calc.netRentCost.value + \"<\/strong><\/small><\/td><td> <\/td>\";\n\t\t   rows += \"<td align='right'><font face='arial'><small><strong>NET COST OF BUYING:<\/strong><\/small>\";\n\t\t   rows += \"<\/td><td align='right'><font face='arial'><small>\";\n\t\t   rows += \"<strong>\" + document.calc.netBuyCost.value + \"<\/strong><\/small><\/td><\/tr>\";\n\n\t\t   rows += \"<tr bgcolor='#CCCCCC'><td colspan='5'><font face='arial'><small><strong>\";\n\t\t   rows += \"Summary:<\/strong> \" + document.calc.h_summary.value + \"<\/small><\/td><\/tr>\";\n\n\t\t   var part4 = \"<\/table><br \/><center><form method='post'>\";\n\t\t   part4 += \"<input type='button' value='Close' onClick='window.close()'>\";\n\t\t   part4 += \"<\/form><\/center><\/body><\/html>\";\n\n\t\t   var schedule = (part1 + \"\" + part2 + \"\" + rows + \"\" + part4 + \"\");\n\n\t\t   reportWin = window.open(\"\",\"\",\"width=600,height=400,toolbar=yes,menubar=yes,scrollbars=yes\");\n\t\t   reportWin.document.write(schedule);\n\t\t   reportWin.document.close();\n\n\t\t}\n\t\n\t<\/script>\n\t<div class=\"table-block calculator-form\">\n    <style>\n\t.calculator-form .form-group {\n\t\tmargin-bottom: 15px;\n\t}\n\t.calculator-form .form-group label , .calculator-form .form-group input , .calculator-form .form-group select {\n\t\twidth: 100%;\n\t\tfont-family: \"Metropolis\", sans-serif;\n\t\tfont-size: 1.5vm;\n\t\tline-height: 1.3em;\n\t}\n\t.calculator-form .form-group input , .calculator-form .form-group select {\n\t\tborder: 1px solid #ddd;\n\t\tborder-radius: 5px;\n\t\tpadding: 10px 15px;\n\t\tline-height: 24px;\n\t}\n\t.calculator-form .form-group label {\n\t\tmargin-bottom: 5px;\n\t\tdisplay: block;\n\t}\n\t.form-group.submit , .form-group.submit-bottom {\n\t\tdisplay: flex;\n\t\tjustify-content: flex-start;\n\t}\n\t.form-group.submit input, .form-group.submit-bottom input {\n\t\twidth: 100%;\n\t\tmax-width: 150px;\n\t\tmargin-right: 10px;\n\t}\n\t.elementor-widget-html button#change {\n\t\tmargin: 0 auto !important;\n\t\tfloat: none !important;\n\t}\n\t.elementor-element-f3aec16.elementor-widget.elementor-widget-html {\n\t\tdisplay: flex;\n\t\tjustify-content: center;\n\t}\n\t.calculator-form form h3 , .calculator-form form h2 {\n\t\tfont-family: \"Metropolis\", sans-serif;\n\t\tfont-weight: bold;\n\t\tmargin-top: 40px;\n\t\tmargin-bottom: 10px !important;\n\t\tcolor: #04467D;\n\t}\n\t.four-input {\n    display: flex;\n    flex-wrap: wrap;\n    align-items: flex-start;\n\t}\n\t.four-input .form-group {\n\t\twidth: 25%;\n\t\tpadding: 5px;\n\t\theight: 100%;\n\t\tposition: relative;\n\t\theight: 100%;\n\t}\n\t.four-input .form-group label {\n\t\toverflow: hidden;\n\t\ttext-overflow: ellipsis;\n\t\t-webkit-line-clamp: 1;\n\t\t-webkit-box-orient: vertical;\n\t\twhite-space: nowrap;\n\t}\n\t.form-row-two {\n\t\tdisplay: flex;\n\t\tflex-wrap: wrap;\n\t\talign-items: flex-start;\n\t}\n\t.form-row-two .form-group {\n\t\twidth: 50%;\n\t\tpadding: 5px;\n\t}\n\t.form-row-two .form-group:first-child {\n\t\tpadding-left: 0px;\n\t}\n\t.form-row-two .form-group:last-child {\n\t\tpadding-right: 0px;\n\t}\n\t<\/style>\n\t<form name=\"calc\" method=\"post\" action=\"#\">\n\t<div class=\"four-input\">\n       <div class=\"form-group\">\n            <label for=\"\">Monthly rent ($):<\/label>\n            <input type=\"number\" step=\"any\" name=\"moRent\" size=\"15\" value=\"1250\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(1,'Enter the amount of the monthly rent payment.');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n\t\t\t<div id=\"help_1\" style=\"width: 100%; text-align: left; padding-top: 6px\"><\/div>\n\t   <\/div>\n\t   <!---<div id=\"help_1\" style=\"width: 100%; text-align: left; padding-top: 6px\"><\/div>-->\n       <div class=\"form-group\">\n            <label for=\"\">Monthly rental insurance ($):<\/label>\n            <input type=\"number\" step=\"any\" name=\"moRentIns\" size=\"15\" value=\"25\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(1,'Enter the monthly rental insurance premium.');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n       <\/div>\n       <div class=\"form-group\">\n            <label>Expected annual inflation rate (%):<\/label>\n            <input type=\"number\" step=\"any\" name=\"inflateRate\" size=\"15\" value=\"3\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(1,'Enter the annual inflation rate. Enter 4% as 4. This is used to inflate the costs of rent, insurance, maintenance, dues and property taxes for the length of time you will own the home.');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n       <\/div>\n       <div class=\"form-group\">\n            <label>Home  price ($):<\/label>\n            <input type=\"number\" step=\"any\" name=\"homeCost\" size=\"15\" value=\"250000\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(1,'Enter the total purchase price of the home -- not including closing costs.');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n       <\/div>\n       <div class=\"form-group\">\n            <label>Down payment  ($):<\/label>\n            <input type=\"number\" step=\"any\" name=\"downPmt\" size=\"15\" value=\"50000\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(1,'Enter the amount you will have available to put down on the house after you have set aside the cash you will need to pay the closing costs.');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n       <\/div>\n       <div class=\"form-group\">\n            <label>Mortgage term (years):<\/label>\n            <input type=\"number\" step=\"any\" name=\"noYears\" size=\"15\" value=\"30\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(2,'Enter the number of years you are financing the home for.');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n\t\t\t<div id=\"help_2\" style=\"width: 100%; text-align: left; padding-top: 6px\"><\/div>\n\t   <\/div>\n\t   <!---<div id=\"help_2\" style=\"width: 100%; text-align: left; padding-top: 6px\"><\/div>-->\n       <div class=\"form-group\">\n            <label>Mortgage's annual interest rate(%):<\/label>\n            <input type=\"number\" step=\"any\" name=\"payRate\" size=\"15\" value=\"5\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(2,'Enter the annual interest rate of the morgage. Enter 8% as simply 8 (do not include percent sign).');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n       <\/div>\n       <div class=\"form-group\">\n            <label>Discount points on purchase of home (%):<\/label>\n            <input type=\"number\" step=\"any\" name=\"points\" size=\"15\" value=\"1\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(2,'Discount points are paid up front in order to reduce the interest rate of your mortgage. Each point represents 1% of your mortgage balance. Enter 1% as simply 1 (do not include percent sign).');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n       <\/div>\n       <div class=\"form-group\">\n            <label>Origination fees (%):<\/label>\n            <input type=\"number\" step=\"any\" name=\"fees\" size=\"15\" value=\"1\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(2,'The percentage (often as high as 1% of the loan amount) that a lending institution charges for processing and originating a loan.');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n       <\/div>\n       <div class=\"form-group\">\n            <label>Other loan costs ($):<\/label>\n            <input type=\"number\" step=\"any\" name=\"loanCosts\" size=\"15\" value=\"0\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(2,'The total of other loan related costs, such as filing fees, appraiser fees, etc.');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n       <\/div>\n       <div class=\"form-group\">\n            <label>Mortgage insurance (PMI %):<\/label>\n            <input type=\"number\" step=\"any\" name=\"pmi\" size=\"15\" value=\".5\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(3,'If your downpayment is less than 20% of the value of the home you are buying, you may be required to pay mortgage insurance of somewhere between 0.2% and 0.5% of your principal balance each month. Enter .04% simply as .4 (do not include percent sign).');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n\t\t\t<div id=\"help_3\" style=\"width: 100%; text-align: left; padding-top: 6px\"><\/div>\n\t\t<\/div>\n\t\t<!----<div id=\"help_3\" style=\"width: 100%; text-align: left; padding-top: 6px\"><\/div>--->\n       <div class=\"form-group\">\n            <label>Annual homeowner's insurance ($):<\/label>\n            <input type=\"number\" step=\"any\" name=\"homeIns\" size=\"15\" value=\"1200\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(3,'Your homeowner insurance rate -- entered as a fixed annual amount. Typically around $1200, though some homes may be more expensive to insure due to local environmental risks or higher home values.');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n       <\/div>\n       <div class=\"form-group\">\n            <label>Monthly association dues ($):<\/label>\n            <input type=\"number\" step=\"any\" name=\"assocDues\" size=\"15\" value=\"0\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(3,'If you are a member of a homeowner association, enter your monthly dues in this field.');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n       <\/div>\n       <div class=\"form-group\">\n            <label>Average monthly home maintenance ($):<\/label>\n            <input type=\"number\" step=\"any\" name=\"maint\" size=\"15\" value=\"200\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(3,'Enter the amount you expect to spend on repairing and maintaining your home.');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n       <\/div>\n       <div class=\"form-group\">\n            <label>Annual property tax ($):<\/label>\n            <input type=\"number\" step=\"any\" name=\"propTax\" size=\"15\" value=\"2500\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(3,'Enter the amount of property taxes you expect to pay each year.');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n       <\/div>\n       <div class=\"form-group\">\n            <label>State &amp; federal income tax rate (%):<\/label>\n            <input type=\"number\" step=\"any\" name=\"incomeTax\" size=\"15\" value=\"28\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(4,'Enter your combined state and federal income tax percentage rate. Enter 28% simply as 28 (do not include percent sign).');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n\t\t\t<div id=\"help_4\" style=\"width: 100%; text-align: left; padding-top: 6px\"><\/div>\n\t\t<\/div>\n\t\t<!---<div id=\"help_4\" style=\"width: 100%; text-align: left; padding-top: 6px\"><\/div>--->\n       <div class=\"form-group\">\n            <label>Interest rate you expect to earn on savings (%):<\/label>\n            <input type=\"number\" step=\"any\" name=\"saveRate\" size=\"15\" value=\"2\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(4,'Enter the annual interest rate you expect to earn on the down payment and closing costs you will invest if you decide to rent instead of buy. Enter 7% simply as 7 (do not include percent sign).');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n       <\/div>\n       <div class=\"form-group\">\n            <label>Expected percentage your home will appreciate by each year (%):<\/label>\n            <input type=\"number\" step=\"any\" name=\"apprecRate\" size=\"15\" value=\"5\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(4,'Enter the percentage amount you expect your house to appreciate by each year. Enter 3% simply as 3 (do not include percent sign).');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n       <\/div>\n       <div class=\"form-group\">\n            <label>Years you will stay at this property:<\/label>\n            <input type=\"number\" step=\"any\" name=\"stayYrs\" size=\"15\" value=\"10\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(4,'Enter the number of years you expect to rent or own the property you are considering. Typically, if you plan to move out of a home in less than 5 years from the date of purchase, you may be better off renting.');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n       <\/div>\n       <div class=\"form-group\">\n            <label>Realtor commission rate (%):<\/label>\n            <input type=\"number\" step=\"any\" name=\"realtorCom\" size=\"15\" value=\"6\" onkeyup=\"clear_results(this.form);calculateForm(this.form)\" onfocus=\"help(4,'Enter the percentage of your home selling price that you expect to pay a real estate agent or broker when it is time to sell your home. Enter 7% simply as 7 (do not include percent sign).');if(this.value==this.defaultValue)this.value=''\" onblur=\"if(this.value=='')this.value=this.defaultValue\">\n       <\/div>\n\t   <\/div>\n        <div class=\"form-group submit\">\n             <input type=\"button\" value=\"Calculate\" onclick=\"calculateForm(this.form)\" class=\"table-btn\">\n             <input type=\"hidden\" name=\"totRent\" size=\"12\">\n             <input type=\"hidden\" name=\"moPmt\" size=\"12\">\n             <input type=\"hidden\" name=\"accumInt\" size=\"12\">\n             <input type=\"hidden\" name=\"closeCosts\" size=\"12\">\n             <input type=\"hidden\" name=\"totPropTax\" size=\"12\">\n             <input type=\"hidden\" name=\"totMaintCost\" size=\"12\">\n             <input type=\"hidden\" name=\"totHomeInsCost\" size=\"12\">\n             <input type=\"hidden\" name=\"totAssocDues\" size=\"12\">\n             <input type=\"hidden\" name=\"pmiCost\" size=\"12\">\n             <input type=\"hidden\" name=\"investPrin\" size=\"12\">\n             <input type=\"hidden\" name=\"totTaxSave\" size=\"12\">\n             <input type=\"hidden\" name=\"netGain\" size=\"12\">\n             <input type=\"hidden\" name=\"sellCost\" size=\"12\">\n             <input type=\"hidden\" name=\"totRentCosts\" size=\"12\">\n             <input type=\"hidden\" name=\"totBuyCosts\" size=\"12\">\n             <input type=\"hidden\" name=\"totRentBenefits\" size=\"12\">\n             <input type=\"hidden\" name=\"totBuyBenefits\" size=\"12\">\n             <input type=\"hidden\" name=\"h_summary\" size=\"12\">\n        <\/div>\n        <strong>Descriptions<\/strong>\n        <strong>Result<\/strong>\n\t\t<div class=\"form-row-two\">\n        <div class=\"form-group\">\n            <label>Total estimated cost of renting:<\/label>\n            <input type=\"text\" name=\"netRentCost\" size=\"15\" onfocus=\"help(5,'Total estimated cost of renting.')\">\n        <\/div>\n        <div class=\"form-group\">\n            <label>Net estimated cost of buying:<\/label>\n            <input type=\"text\" name=\"netBuyCost\" size=\"15\" onfocus=\"help(5,'Total estimated cost of buying.')\">\n        <div id=\"help_5\" style=\"width: 100%; text-align: left; padding-top: 6px\"><\/div>\n\t\t<\/div> \n\t\t<\/div>\n\t\t<!--<div id=\"help_5\" style=\"width: 100%; text-align: left; padding-top: 6px\"><\/div>-->\n        <div class=\"form-group submit-bottom\">\n            <!--<input type=\"button\" class=\"table-btn\" value=\"Print report\" onclick=\"showReport(this.form)\">-->\n            <input type=\"button\" class=\"table-btn\" value=\"Reset\" onclick=\"reset_calc(this.form)\">\n        <\/div>\n\t\t<div id=\"summary\"><\/div>\n    <\/form>\n <\/div>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>RENT OR OWN? Should I Rent Or Buy A House? When you&#8217;re ready to buy a home or refinance your current one, the first step is finding the right mortgage. You want a loan that gives you the best chance of qualifying for a low-interest rate, with monthly payments you can afford. But with so [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":1818,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":"","_vp_format_video_url":"","_vp_image_focal_point":[]},"acf":[],"_links":{"self":[{"href":"https:\/\/www.firststatemortgage.biz\/wp-json\/wp\/v2\/pages\/582"}],"collection":[{"href":"https:\/\/www.firststatemortgage.biz\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.firststatemortgage.biz\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.firststatemortgage.biz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.firststatemortgage.biz\/wp-json\/wp\/v2\/comments?post=582"}],"version-history":[{"count":156,"href":"https:\/\/www.firststatemortgage.biz\/wp-json\/wp\/v2\/pages\/582\/revisions"}],"predecessor-version":[{"id":8586,"href":"https:\/\/www.firststatemortgage.biz\/wp-json\/wp\/v2\/pages\/582\/revisions\/8586"}],"up":[{"embeddable":true,"href":"https:\/\/www.firststatemortgage.biz\/wp-json\/wp\/v2\/pages\/1818"}],"wp:attachment":[{"href":"https:\/\/www.firststatemortgage.biz\/wp-json\/wp\/v2\/media?parent=582"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}