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Page 1: January

JanuaryPrincipal Balance

$150,000X Annual Note Rate X .0775

= Annual Interest $11,625Change to monthly ÷ 12

= Monthly Interest $968.75

Constant Mo. Payment $1,074.00(-) Monthly Int. Exp. - $968.75

= Principal Reduction $105.25 Balance after payment $149,894.75

February$149,894.75 X .0775 $11,616.84

÷ 12 $968.07

$1,074.00

$968.07 $105.93

$149,788.82

Mortgage Amortization

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