Nathan Cole
Mortgage & Consumer Lending Writer · Consumer Lending
Nathan spent more than a decade on the lending side - first as a mortgage loan officer, later helping borrowers untangle auto and personal loans. He writes about monthly payments, APR, refinancing, and debt payoff in plain English, translating the fine print lenders gloss over. His focus is simple: show the true cost of borrowing before you sign, not after.
Areas of expertise
Articles by Nathan Cole
- Loans Calculators: All 14 Tools & Formulas for 2026
See the exact formula and a worked example behind all 14 Calcavio loan calculators and learn the one equation that powers almost every loan.
- Credit Card Debt Calculators: Every Formula, Worked
Nine calculators, nine formulas, one $11,000 case study - see exactly what your cards cost and when you'll be free of them.
- Mortgage Payment Math: Rates Just Hit an 11-Month High
Mortgage rates just hit an 11-month high. Here's exactly what the ~0.26-point jump adds to your monthly mortgage payment and lifetime interest on a $300k–$400k loan - recomputed to the dollar, with a free calculator to run your own number.
- Mortgage Calculators: Every Formula and Tool for 2026
The 21 mortgage calculators every buyer needs and the exact formula behind each, with worked 2026 examples using verified rates and loan limits.