//Send this function a loan amount and a down Payment, ant it will return
//your monthlyMI

function PMICalculator (loanAmt, downPaymentAmt)
{
 var loanAmount = new Number(loanAmt);
 var salesPrice = new Number(loanAmount + downPaymentAmt);
 var LTV = loanAmount/salesPrice;
 var PMIRate = true;
 var LTVThreshold = 0.8;
 var monthlyMI = new Number(0.0);

 if (LTV < LTVThreshold)
 {
 PMIRate = false;
 }

 if (PMIRate)
 {
 if ((LTV < 0.85)||(LTV == 0.85))
 {
 PMIRate = 0.0032;
 }
 else if ((LTV < 0.90)||(LTV == 0.90))
 {
 PMIRate = 0.0052;
 }
 else if ((LTV < 0.95)||(LTV == 0.95))
 {
 PMIRate = 0.0078;
 }
 else
 {
 PMIRate = 0.0090;
 }

 monthlyMI = loanAmt * PMIRate/12;
 }

 return monthlyMI;
}