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.