What is the mathmatical formula that will enable me to calculate the
annual percentage rate (APR) of an adjustable rate mortgage. For
example, given an interest rate, the loan amount, the property value,
the loan term, the number of years the rate is fixed, the maximum
change in the rate per year, the maximum change in the rate over the
entire loan term, what formula
will give me the APR.  I know that therre are plenty of calculators on
the web that will do this calculation for me. However, I need to be
able to do this calculation myself. I am not looking for links to
calculators. Thank you for your assistance.