Complex Mortgage Scenario Analysis Workbook

Develop an advanced Excel tool for comprehensive mortgage scenario analysis that goes beyond standard calculators. Create complex financial models that simulate multiple mortgage structures, including adjustable-rate, fixed-rate, and hybrid options. Implement dynamic calculation engines that factor in changing interest rates, refinancing opportunities, and long-term financial implications. Design VBA macros that generate detailed reports comparing different mortgage strategies, including total interest paid, break-even points, and tax implications.