Important Notice for Existing v9 Users:
If you've upgraded to (or purchased a new computer with)
the new Windows Vista operating system you should download the latest Upgrade Patch to modify
an existing v9.2.0 (or earlier) installation and assure compatibility with Vista. Please note that: 1. The Windows Vista operating system no longer supports the "method" used by the v9.x
editions to display the What's This? help popup boxes, so that function
will NOT work properly with Vista. (This problem will be corrected when a complete
re-write of the program is completed.) 2. Some file "locations" as stated in the v9 Help file will be different in the latest version
than in previous 9.2.0 (or earlier) versions ... a list of the
changes will be displayed at the end of the upgrade procedure. (This will be corrected
when a complete re-write of the program is completed.)
Program Description:
The Lender's ToolBox™ includes the most
essential tools needed by every lender (or borrower,
for that matter). A versatile
Amortization program that not only computes and prints
the "normal" monthly P&I schedules but also
allows fixed principal payments plus
accrued interest. On-screen options allow you to also
produce "balloon" (lump sum) payment schedules
whenever desired. Use the included Loan Calculator for
quick "what if" scenarios to properly structure
any loan request. Some of the major features include:
Amortize loans using
weekly, bi-weekly, semi-monthly, monthly, quarterly,
semi-annual, or annual payments. (Numbers & dates will be
displayed/printed using your system's Regional Settings, allowing
proper 'formatting' for non-U.S. users.)
Calculate interest
using a 'standard' fixed rate or the variable rate option. When
a variable rate interest rate type is selected you can optionally
project a "worst-case" interest rate scenario for the
computed Amortization Schedule!
Calculate interest using equal 30 day months
(360/360 accrual basis) or exact days between
dates. (Choose between a 365/365 or 365/360 exact days basis.)
Starting with version 9 Canadian Mortgage calculations
are also supported.
Include odd days to
first payment (positive or negative) when using equal 30
day month calculations.
Include payments for
Insurance, Taxes, and Other escrow amounts in the computed
schedule ... the periodic payment will be adjusted accordingly.
Include "interest free" or
"interest only" payments
at the beginning of the scheduled term. (You can even instruct the
program to 'equalize' the calculated payment amount for loans
containing interest free payments or extend the scheduled term for
loans containing interest only payments!)
The final scheduled
payment can be either a normal or a balloon (lump sum) payment.
You can easily "modify" the standard schedule
to include rate changes, lump-sum or additional payments, reduced/increased principal
payments, etc.
Print your company
name & address as a page footer on every Amortization
schedule (can be turned off, if you prefer).
Print the sequential payment number next to each payment due
date as well as annual totals (calendar -OR- fiscal year) ... both are optional
with each schedule produced.
Full print preview
with four report styles, user-selectable fonts, and
user-selectable paper sizes. You can even include 'custom'
text in your Amortization Schedule's 'header' section and a
user-defined first-page top margin to allow use of pre-printed
paper containing your logo.
Print customized payment coupons
for any Amortization Schedule and easily collate them into
a "payment booklet" for your borrowers.
Export any of your reports to an RTF
or HTML file for viewing or printing in a word processor or
browser, and export the Amortization Schedule grid's values to a
CSV file for import into a spreadsheet application.
You can set your preferred
program & Amortization Schedule defaults to
speed data entry and avoid input errors. (Defaults can be
overridden when necessary on individual schedules).
Copy that
"perfect" loan scenario from the Loan
Calculator to the Amortization Schedule form with the
click of a button. Or use the included Refinancing Breakeven
Calculator to determine the cost/benefits of a refinance package.
Context-sensitive online Help is always available,
along with pop-up "What's This?" help for individual fields
and controls.
Major Version
registration license remains valid for all
minor upgrade releases (9.1, 9.2, etc).
Minimum System Requirements:
Pentium class (or Pentium-compatible) CPU (266 MHz or higher
for satisfactory performance)
Windows 98/Me/2000/2003/XP/Vista operating system
64MB of physical (installed) memory (128MB
recommended for better performance)
Hard drive with 7MB of available space for installation
(could be much less if the required
"system" files are already present on your computer. The WinXP/Vista operating system already includes the bulk of these files.)
SVGA monitor at 800x600 resolution (or higher) with a
minimum of 256 colors (16-bit [or better] 'color depth' setting recommended)
Windows compatible printer for hard-copy reports
Volume Discount Pricing:
Additional licenses are available at $20.00 for each user/workstation after
the initial license. These discounted licenses MUST be ordered in conjuction with
your initial license order ... they are not available 'individually' as an add-on
after your order has been processed! IMPORTANT NOTE: The 'additional license' prices can be obtained ONLY by using the
'Mail Order' form on this
site or the Registration-Order Form included with your installed program ...
they cannot be ordered online or by telephone order.
v9.5 (May 26, 2008) [1] corrects a data entry problem in the Loan Calculator's Periodic Payment field; [2] corrects a possible interest accrual error (subsequent payments) when modifying a scheduled payment Date in Canadian Mortgage types ONLY.
v9.4 (Jan 10, 2008) corrects a possible 'overflow' or subscript error when making many modifications to a loan's Amortization grid during a single session.
v9.3 (Aug 12, 2007) corrects a possible problem with the Equal 30-day months interest 'recalculation' routine when deleting an existing scheduled payment in the Amortization grid.
v9.2.1 (Feb 26, 2007) corrects file access errors and eliminates 'elevated rights' messages when running under the Vista O/S.
v9.2 (Oct 18, 2006) corrects a problem when loading a saved .LTB data file containing Weekly or Bi-Weekly payments.
v9.1 (Aug 20, 2006) corrects erratic behavior of the Insert Row & Delete Row Toolbar buttons.
Version 9 incorporates new features that were not present in v8, as
well as many improvements to existing functions:
· Number, currency, and date formatting has been 'internationalized' and will now be displayed using your system's Regional Settings.
· When printing 'annual totals' on an Amortization Schedule report you now have the option
to print Calendar Year totals (as in previous versions) -OR- Fiscal Year totals
(using the fiscal year-end month & date of your choosing).
· The data file 'format' has been expanded & restructured to
incorporate program changes and improvements requested by our existing users.
(A File Conversion Utility is included to convert your existing
(pre-version 9) data to the new file structure.)
· Amortization Schedules can now be produced for Canadian Mortgage loans (along with
'what if' scenarios using the Loan Calculator)
· Modifications to Interest Only payments in the Amortization grid are now permitted.
· The print 'layout' of the Payment Coupons has been revised to allow the use of pre-perforated
1 col x 4 rows - 8½" x 11" paper, and you can choose to HIDE the coupon outline 'cut lines' so they
won't appear when using the pre-perfed paper.
· The Borrower Info tab now includes a field to enter an Account Number ... IF
this field is completed (not blank) it will be printed on your Payment Coupons.
· The font size has been increased in both the Data Input/Options section and the
Amortization Schedule grid to insure better 'readablity' even at higher resolution settings.
Customer Comments
to read some unsolicited comments about this software.
Quality Shareware Software ... try before you buy! 
