def apr
      @apr ||= MortgageBuddy::AprCalculator.new(loan_amount:               @loan_amount,
                                                monthly_payment_with_fees: monthly_payment_with_fees,
                                                period:                    period,
                                                monthly_interest_rate:     monthly_interest_rate).apr
    end
def apr
      @apr ||= MortgageBuddy::AprCalculator.new(loan_amount:               @loan_amount,
                                                monthly_payment_with_fees: monthly_payment_with_fees,
                                                period:                    period,
                                                monthly_interest_rate:     monthly_interest_rate).apr
    end
== Parameters
 [:loan_amount]  Loan amount. Price of home minus down payment
 [:interest_rate] The interest rate of the loan
 [:period] Number of months of the loan. 30 yr is 360. 15 yr is 189
 [:fees] Closing cost fees. Optional and defaults to 0
 [:points] Points. Optional and defaults to 0