Mortgage Freeware/Shareware Programs/Software

If you are looking for completely free Windows mortgage payment and amortization schedule software, you can download my self-written (in Rapid-Q) "What's Missing?" program here from my university's server (to save my own bandwidth on this site). Once you tell it how many payments you want per year, you only need to specify three of the four variables: loan amount, interest rate, payment or term. Then the program calculates the rest. Then you click on "Schedule" and it shows the loan payment schedule. It isn't fancy looking and it doesn't let you save (still working on that!), but it works and it is free. The Win32 executable program should run on any Windows 95/98/NT/2000 or XP system that works, requires very little system resources and it is a very small download (230KB). Plus it uses my photo as the icon and reminds you of my wonderful web site. Realtors or mortgage brokers who want to get rid of those and brand the calculator with their own logo, URL and phone number can contact me and I'll let them know my ridiculously low fee to brand a calculator for their own site. (I can make custom changes too!) But for everyday consumers, it is and will always remain completely free. Since I wrote it in Rapid-Q BASIC, it should compile fine under i386 Linux too, but I haven't tried it yet. Another similar little program I wrote is called payments.exe and calculates the interest-only, 15 year, 30 year and 40 year amortized payments for a range of interest rates. Download it yourself just to see what it does. You can also see my first branded calculator customer at: mortgagecalculator.org.

Otherwise, all the various packages are getting so hard to keep track of! The easiest way to find freeware/shareware to install on your Mac or PC is to go to one of the big download sites and put in a search term. That way you are sure to get the most recent versions of the software. Just use search terms like "mortgage" or "loan" or "401k" to find a package that will work for you. Here are some of my favorite big download sites:
A good place to look for quality freeware of all sorts is at:

www.pricelesswarehome.org

which have been selected by alt.comp.freeware as the best freeware out there. I also have a collection of free Windows utilities available for download.

GNU/Linux

Since I am a Linux geek, I have been playing with a neat application called GnuCash which is a Quicken-like accounting package for Linux that also has a neat loan scheduler. So if you reformat your hard drive, get rid of that trashy Microsoft garbage they call an operating system, and install Linux instead, and you can run GnuCash! (and OpenOffice and all those other great open source applications).

Heck, if you just want to download a full Linux distribution and burn it to CD, visit my Linux ISO Mirror site. Completely free operating systems you can burn onto a $.20 CD and boot on your PC without touching your hard drive. It is pretty amazing!

UNIX/C Programming

I have kept these geeky little gems since they include source code for all sorts of financial calculations:
Hugh Chou
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