I've tried using APR Win on a couple of test case loans that I am working with. We have a 5 year Balloon 30 year amortized refi loan. When I plugged in the information, it signals a violation for an understated Finance Charge. I believe it has to do with the fact that the number of payments when I'm plugging into the box is 360, but it is actually 60 payments because the loan will mature after 5 years. Has anyone experienced a problem with the software? I am thinking perhaps it's outdated because it supports 15 and 30 year loans.

You must enter the actual payment stream.

You enter your 59 regular payments and then the balloon amount as the final payment in the second payment stream.