Jessica Martinez
Contributing Writer, Business & Finance
Jessica writes the calculator explainers and guides across HELOCCalcTools: how a draw-period payment differs from a repayment-period payment, how combined loan-to-value limits work, and what actually changes when a HELOC's variable rate moves. Her beat covers home finance and consumer education more broadly, turning lender formulas and CFPB guidance into sentences a homeowner can actually use before applying.
She writes for other calculator sites in the Encore Editorial network too, generally on home finance and personal-finance topics. Questions or corrections on anything under her byline go through the contact page.
Chris Terry
Site Owner
Chris owns HELOCCalcTools and is responsible for the site staying accurate: the formulas behind the three calculators, the rate figures pulled from Bankrate, and the CLTV and term defaults used throughout. He signs off on anything that changes the underlying math.
Full detail on how rates are sourced, checked and corrected is on the editorial standards page.