Eoen Loan Calculation

Eoen is a pet project of mine. There's a lot of mortgage calculators out there but there's not a lot of free ones that calculate the true cost of a mortgage. So the intention of Eoen is to provide a quality service for visualizing mortgage data. In its current state, it's just a simple fixed rate loan calculator but the intention is to expand the functionality to meet our vision of what this app is supposed to be.

The MVP of the project is to have a fully functional D3 visualization demo that users can use to simulate the basic functionality of a mortgage. When the user signs up for an account, they will be able to save, update, and delete their mortgage details.

Getting Started

Scaffold w/tests (see master branch)

• Run npm install to install dependencies
  • Use npm run lint:js to lint your JS
  • Use npm run lint:css to lint your CSS
  • Use npm test to run tests
• Setup the databases
  • Change the database names in config/config.json to reflect your project
  • Run createdb eoen_development to create the development database
  • Run createdb eoen_test to create the test database

Finished version (see brian-finished branch)

• Run npm install to install dependencies
  • Use npm run lint:js to lint your JS
  • Use npm run lint:css to lint your CSS
  • Use npm test to run tests
• Setup the databases
  • Run createdb eoen_development to create the development database
  • Run createdb eoen_test to create the test database
  • Run sequelize db:migrate to run migrations

Technical Requirements For Project

• Have at least 2 models (more if they make sense) -- ideally a user model and one that represents the main functional idea for your app Include sign up/log in functionality, with hashed passwords & an authorization flow
  • User model with authentication using passport
  • Loan model for storig users loan details and displaying charts to visualize their loan
• Incorporate at least one API. Examples include Yelp, Tumblr, Facebook, and others on Mashape.
  • Using Quandl API (see below)
  • Status: On Hold
    • Having troubles sending API data from front-end to static javascript files, probably need to move d3 viz to the back-end
• Have complete RESTful routes for at least one of your resources with GET, POST, PUT, and DELETE
  • See complete routing list below
• Utilize an ORM to create a database table structure and interact with your relationally-stored data
  • Using Sequelize to connect back-end data to the database
• Include wireframes that you designed during the planning process
  • Main wireframe below
• Have semantically clean HTML and CSS
  • Templating engine using Pug makes for clean and readable HTML
  • CSS organized by functional component (which framework the css is targeting)
• Be deployed online and accessible to the public
  • Available at https://eoen.herokuapp.com

Routes

Verb	URL	Purpose	Status
GET	/	Enticing home page	Operational
GET	/auth/login	Login page / modal	Operational
GET	/auth/signup	Signup page / modal	Operational
POST	/auth/login	Posts login information	Operational
POST	/auth/signup	Posts signup information	Operational
GET	/profile	Gets renders user's loans via redirect to /profile/loans	Operational
GET	/profile/account	Shows user account settings	Hold
GET	/profile/account	Displays user's account information	Hold
GET	/profile/account/edit	Edit page for account settings	Hold
PUT	/profile/account	Updates user account information and redirects to /profile/account	Hold
DELETE	/profile/account	Deletes the user's account forever and redirects to /	Hold
GET	/profile/loans	Display basic link information for all loans including a small description of that loan, like tags (personal, mortgage, etc)	Operational
GET	/profile/loans/:loanId	Display advanced information for all loans including a small description of that loan, like tags (personal, mortgage, etc) as well as the various visualizations the user can have	Operational
POST	/profile/loans	Posts loan information to server, creating a loan in the database and redirects to the created loan instance /profile/loans/:loanId	Operational
PUT	/profile/loans/:loanId	Updates existing mortgage details and redirects to the same /profile/loans/:loanId	Operational
DELETE	/profile/loans/:loanId	Deletes the loan from the database and redirects to /profile/loans	Operational

API

Status: On Hold

Consuming an api through Quandl, a premier data provider for almost everything. The API requests data from Quandl on Freddy Mac's 30 year mortgage interest rates, dating back through 1970.

Website[https://www.quandil.com]

D3 charts

Please Note: Charts are intended to be scalable but are currently not. The scaling for full screen makes them too big (overflowing the container), while mobile makes them too tiny. This is an issue that is on the front burner for fixing.

Technologies Used

• Node.js
• Express
• Request
• D3.js
• Sequelize/PostgreSQL
• Semantic UI
• Passport

Additional Features

• All loans instead of just mortgages
  • This was realized before creating a 'mortgage' model, so the existing model should make for an easy transition.
• Both fixed rate and adjustable rate loans/mortgages (currently only fixed rate applies)
• Additional mortgage details:
  • HOA Fees
  • Private Mortgage Insurance (FHA)
  • Homeowners insurance
  • Property tax
  • Tax savings - Mortgage Interest
    • Static Values
      • Federal Marginal Tax Rate (need current federal tax data)
      • State Marginal Tax Rate (need current state tax data)
    • Calculated Values
      • Amortized tax savings
      • Monthly tax savings
      • Yearly tax savings
  • Tax savings - Property Tax
  • Total Payments
  • Mortgage Ratios
    • Static values
      • Responsible party's income
      • Any additional responsible party's income
      • Lender Front-End
      • Lender Back-End
    • Calculated values
      • Mortgage Amount
      • Mortgage, Taxn Insurance
      • Monthly Debts
      • Front-End
      • Back-End
• Lender comparisons
  • 30 fixed
  • 10/1 ARM
  • 7/1 ARM
  • Closing Costs
  • Lender Credit
• Expanded payment schedule options
• Down Payment visualization
  • Static Values
    • Expected Down Payment Amount
  • Calculated Values
    • Finding a loan amount that fits your expected down payment
    • Home Amount / Expected Down Payment Amount = percent
  • Need more consulting on the usefulness of this Features

Optimizations

• Extract the front-end javascript data manipulation to the back-end
• Make charts more plug-and-play. Currently very specific uses.
  • Need to redesign the data input creation from form fields as well as accessing that data in the d3 functions themselves.