Mortgage Calculations for Everyone
by Wayne M. Hope

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The reader to whom this book is directed is not necessarily a person employed in the general field of finance though they may greatly benefit from the contents. It is specifically directed towards people who desire a working knowledge of financial terms and calculations. Few people today can totally avoid the need of financial knowledge. Most financial transactions today involve interest calculations. The person who does not understand interest, or does not understand how interest is calculated is surely at a disadvantage.

The major paper transaction in the average person’s life is the purchase of a home and the subsequent placement of a mortgage on that home. Mortgage documents and calculations are bewildering to the average person. Since this is recognized as the major paper transaction in the average person’s lifetime, the subject of mortgages occupies the better part of this book.

Mortgages are explained and calculated in minute detail, even to the point where many people experienced in this field will discover new aspects of mortgages which they have perhaps not previously considered. Some people may not wish to explore mortgages to this depth. For those readers there are many other fascinating items concerning finance which are explained in equal detail. This book should enable people to calculate just about any financial transaction involving interest.

In the past decade there have been considerable advances in technology which may be used to the advantage of those attempting to obtain financial calculation skills. It is at this point that this book begins, by explaining the use and manipulation of basic formulas. Then, the entire subject of mortgages is dealt with since that is the subject of major interest to the average reader. Following the treatment of mortgages, other areas of finance and calculation are dealt with. If readers are not interested in mortgages they may go directly to these later chapters. All subjects are explained assuming the reader has no prior financial knowledge.

It is the author’s hope that those reading this book will discover that financial calculations can be quite enjoyable and that they can be accomplished by anyone willing to devote a minimal amount of time to this study.

Table of Contents

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