Owner manual

s % Delta Percent ( ) — Finds
the percent change between
two values.
s ) Month Offset
s T Bi-Weekly mortgage
l Mortgage amount or present
value
p P&I, PITI
(U.S.) , Total
(PITH) payment, and inter-
est-only payment (U.S.)
T Number of years
ˆ Annual interest rate
s ˆ
Effective Interest Rate
(Eff%)
— Converts value
stored as interest to equiva-
lent U.S. rate.
s + Switches between Canadian
and U.S. Interest Mode
s l Future value
s b
Periodic — Identifies entry
as periodic rather than yearly
P Sales Price of home
d Down Payment
(entered in
percent or dollar amount)
s d Loan-to-Value (LTV)
a Amortization function
s a Remaining balance
q Qualify based on
32%-40%
(Canada)
POCKET REFERENCE GUIDE — 3