Component-Based Consumer, Commercial and Mortgage Loan Calculator Software
 Math Corporation offers two proven consumer, commercial and mortgage loan calculator software components The ZMath® Engine and ZMath®Reverse. All consumer, commercial and mortgage loan calculator software components work seamlessly with any software or hardware platform.
ZMath® Engine
 The ZMath® Engine, which solves all loan calculations, is supplied as a consumer, commercial and mortgage loan calculator software component that is embedded into your system. It's invisible and operates with any software application to deliver unmatched accuracy and performance.
The industry-leading ZMath® Engine consumer, commercial and mortgage loan calculator software component used by financial/lending organizations and software development companies ensures compliance with Regulation Z, Regulation X (RESPA) and all practices and traditions within the lending industry.
The ZMath® Engine consumer, commercial and mortgage loan calculator software component performs all lending calculations required to structure, originate and disclose any loan.
The consumer, commercial and mortgage loan calculator software performs annual percentage rate (APR) calculations, as well as mortgage, auto and construction loan calculations; solves for balloon payments, calculates fixed-rate mortgages and bi-weekly mortgages; and returns critical real estate mortgage calculations and amortization schedules.
ZMath® handles all needed consumer, commercial and mortgage loan calculations providing private mortgage insurance (PMI) payments, mortgage disclosures, adjustable rate mortgage calculations and compliance calculations.
It also serves as a quick mortgage payment calculator or adjustable rate mortgage payment calculator!
ZMath® Engine consumer, commercial and mortgage loan calculator software delivers any needed loan calculation accurately and quickly
Click here for detailed information on the industry's leading ZMath® Engine Consumer, Commercial and Mortgage Loan Calculator software, or demo ZMath® online!
ZMath®Elements
 ZMath®Elements offers several single-task calculation components engineered to help Web site developers, software development companies and lending institutions fill gaps or add new functionality within their existing financial calculation systems. ZMath®Elements components perform the calculations necessary to fulfill specific needs. In other words, ZMath®Elements components are dedicated to individual tasks, such as calculating the figures required for HUD Good Faith Estimates, Annual Percentage Rate (APR) calculations or Amortization Schedules.
While each of the ZMath®Elements components is directly derived from the proven and comprehensive ZMath®Engine, each ZMath®Elements component operates externally by quickly and accurately processing calculations from a user’s prescribed data. ZMath®Elements comes as a result of leveraging the entire ZMath®Engine into smaller, task-dedicated calculation components.
 ZMath®Elements offers several individual financial calculation components, which are great for establishing Web-based calculations or filling calculation or functionality gaps within an existing system. Simply select from the ZMath®Elements calculation components listed below. Or, if you do not see what you need specifically listed, contact us and let us know. There is a good chance we have a component that will fit your needs.
ZMath®Elements Components for Single-task Calculations!
- Annual Percentage Rate (APR): Calculates the APR for the loan data provided
- Amortization Schedule: Calculates an amortization schedule based on the provided payment streams
- Accrual: Calculates the interest accrual
- Payment: Calculates the payment amount
- One-Sixth Aggregate Escrow: Calculates the one-sixth aggregate escrow disclosure information
- Affordability: Calculates the mortgage that can be afforded
- HUD GFE: Calculates most of the data required for the new (1/1/2010) HUD GFE disclosure
- Total Annual Loan Cost (TALC): Calculates the TALC for the reverse mortgage data provided
Click here for more information about ZMath®Elements
ZMath®Reverse™ Engine
 ZMath®Reverse™ allows reverse mortgage originators, lawyers, software development companies and financial planners to instantaneously calculate reverse mortgages. A mortgage loan calculator software component that nestles into your own system's software or hardware architecture, ZMath®Reverse™ instantaneously calculates the U.S. Department of Housing and Urban Development's (HUD) Home Equity Conversion Mortgage (HECM) and Fannie Mae's Home Keeper Mortgage SM . It can also be customized to calculate private-label reverse mortgage offerings.
All calculations comply with the Federal Truth in Lending Act (Regulation Z) and include the Total Annual Loan Cost (TALC) numbers and table.
Click here for detailed information on the industry's leading ZMath®Reverse™ Engine Reverse Mortgage Loan Calculator software, or demo eZMath®Reverse™ online!
dd Math® Engine
 The dd Math® Engine delivers a full-featured savings calculation component that outputs information in compliance with the Federal Truth in Savings Act (Regulation DD), including the Annual Percentage Yield (APY). It is a component, or small binary program, that calculates all standard savings calculations and nestles into the owner's overall software architecture. It is invisible and operates with any software or hardware platform to deliver unmatched accuracy and performance.
 Deposits calculations required to fund a specified level withdrawal
Deposits calculations required to fund a withdrawal that increases over time
Deposit calculations required to fund a specified level withdrawal (deferred)
Amount of level withdrawal
Amount of level withdrawal (deferred)
Amount of withdrawal (growth)
Deposit required to fund a specified level withdrawal (deferred)
Future value of a single amount
Future value of regular deposits
Future value of regular deposits and a lump sum
Future value of a lump sum and regular deposits
Future value of a lump sum and regular deposits (deferred)
Future value of a lump sum and regular deposits (growth)
Deposit amount required to accumulate a future value
Regular deposit amount required to accumulate a future value
Click here for detailed information on the industry's leading dd Math® Engine!
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ZMath® Calculation Engine Performance 
