| portion, more money is applied to principal. The formula for an amortization is: (1-v^n)/i, where n = # of years, v = 1/(1+i), and i = interest rate / 100. Divide by (1+i) if at beginning due. Another method conversion optimize rate site web writing this kind of formula is: "The Caps" - In industry slang, there you could ask for the Caps of a loan, conversion optimize rate site web if your broker or loan officer is intelligent enough to read the rate sheets they are quoting from, it is ALWAYS displayed and available. This is basic stuff, the ABC's of mortgage lending, if you're working with someone that can't or won't explain this to you, go elsewhere. What's better? - The lower these numbers are, the better for you, especially, the first number. Examples: 2/2/5 - 5/2/5 - 2/1/6 conversion optimize rate site web 3/1/6 - 2/4 - 1/1/5 The first number is the initial change cap, the second is the |  |
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