Editorial Policy & Author Profile

About the Author

David R. Harmon brings over twelve years of hands-on experience in real estate finance, having worked in mortgage origination, commercial property underwriting, and residential investment analysis throughout his career. Before founding the tools on this platform, David spent nearly a decade at a regional bank's real estate lending division, where he reviewed hundreds of mortgage applications, built amortization models for developers, and analyzed property acquisition viability for commercial clients.

His deep familiarity with how lenders actually evaluate loans — and the frustration borrowers often feel when facing complex mortgage math without proper tools — drove the creation of RealEstate Calculator Online. "Most people signing a 30-year mortgage don't know how much they're paying in total interest," he explains. "This platform exists to make that transparent and understandable for everyone."

What David Oversees

• Formula Accuracy: Every calculator's underlying math — from the standard mortgage amortization formula to the bisection method used in the interest rate finder — has been validated by David against licensed mortgage software and published lender documentation.
• Educational Content: All written guides (mortgage planning, ROI analysis, amortization explanations) are authored or reviewed by David to ensure they reflect real-world lending conditions rather than theoretical generalizations.
• User Clarity: Calculator interfaces are tested to ensure that a first-time homebuyer can understand the outputs as easily as a professional real estate investor.

Our Editorial Standards

RealEstate Calculator Online follows a strict editorial process for all content published on this platform:

1. Formula verification: Every calculation is cross-checked against at least two independent sources — typically published lender guidelines or accepted financial textbook formulas.
2. Plain-language review: Educational articles are evaluated for clarity, ensuring technical terms are explained in accessible language without losing accuracy.
3. No commercial bias: We do not accept sponsored content, advertorial placements, or affiliate arrangements that would influence our calculator outputs, educational content, or tool recommendations.
4. Regular updates: Financial tools are reviewed and updated as mortgage rates, regulatory environments, and lending standards evolve.

Methodology Transparency

We document our exact formulas in each calculator's educational section so that any reader — whether a finance student or a seasoned investor — can verify the math independently. There are no black-box algorithms on this platform. Key formulas used include:

• Fixed mortgage payment: M = P × [r(1+r)^n] / [(1+r)^n − 1]
• Total ROI: (Final Value − Initial Investment) / Initial Investment × 100
• Annualized ROI (CAGR): [(Final / Initial)^(1/Years) − 1] × 100
• Net Present Value: NPV = Σ[Ct / (1+r)^t] − C0

Contact & Corrections

If you believe a calculator contains a mathematical error, or if market changes have made any of our educational content outdated, we want to know. Please reach out directly at contact@realestate-calculator.online. Verified corrections are implemented typically within 48 hours, and corrections are noted in an update log on the relevant page.