create mortgage calculators

i am looking to create a mortgage arm and payment calculators for ARM and balloon mortgages really i just need very simple functions that can be passed the specific variables: (for balloon payments) loan amount term due in rate total fees (for arm loans) loan amount amort term initial term initial rate index margin total fees and i want it to return back a monthly payment amount and an apr. this project would be done in cold fusion. (or could be done in another language, in that case, i would need to be able to post to it and recieve the variables back). i do not have the formulas for these calculators, this would be up to you to come up with. ## Deliverables 1) Complete and fully-functional working program(s) in executable form as well as complete source code of all work done. 2) Deliverables must be in ready-to-run condition, as follows (depending on the nature of the deliverables): a) For web sites or other server-side deliverables intended to only ever exist in one place in the Buyer's environment--Deliverables must be installed by the Seller in ready-to-run condition in the Buyer's environment. b) For all others including desktop software or software the buyer intends to distribute: A software installation package that will install the software in ready-to-run condition on the platform(s) specified in this bid request. 3) All deliverables will be considered "work made for hire" under U.S. Copyright law. Buyer will receive exclusive and complete copyrights to all work purchased. (No GPL, GNU, 3rd party components, etc. unless all copyright ramifications are explained AND AGREED TO by the buyer on the site per the coder's Seller Legal Agreement). ## Platform windows/IIS prefer cold fusion