Every loan's Schedule tab opens with a Print & compare card: "A clean copy of the full schedule, and a what-if on paying extra."
The printable schedule
- Print schedule: opens a clean, print-ready page of the whole schedule in a new tab.
- Schedule PDF: downloads the same document, headed AMORTIZATION SCHEDULE and named for the loan number.
Either one writes a report-generated entry to the loan's audit trail, so you can see who pulled a copy and when.
The extra-payment comparison
Under "What if you paid extra?", fill in Extra per payment, One-time lump sum (optional), or both. The lump sum applies before the next payment.
The answer comes back as four figures (Interest saved, Payments eliminated, Time saved, New payoff date), plus a Side by side table comparing Current against With extra on the payment, payments remaining, payoff date, total principal, total interest, and total principal + interest. Show payment-by-payment expands the whole projection row by row.
Once a projection exists you also get Print comparison and Comparison PDF.
It is a projection, and it says so
It assumes every payment (including the extra) is made in full and on time at the contractual rate, with no future rate change, fee, or escrow adjustment. Escrow is a pass-through and stays out of the interest and payoff totals. And the central point: extra principal shortens the loan; it never reduces the contractual payment. Confirm prepayment terms in the note before promising a borrower anything.
When the comparison isn't offered
Rather than produce a misleading answer, NoteHarbor declines and says why:
- Balloon notes: extra principal reduces the balloon rather than shortening the term.
- ARMs / scheduled rate changes: the payment re-amortizes at each step, so a fixed-payment comparison doesn't describe the loan.
- Nothing left to shorten: no remaining scheduled payments, a zero balance, or a single remaining installment (request a payoff quote instead).
- Non-consecutive unpaid rows: a later installment has already been settled, so a forward projection can't line up.
- Extremely long schedules.
An interest-only note still gets a comparison, with a note that its schedule repays the balance in a final lump: extra principal shrinks that payoff amount, and once it outpaces the interest it ends the note early too.