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Editorial disclaimer: The calculators and content on HELOCEdge.com are for general educational purposes only and do not constitute financial or lending advice. Always consult a licensed mortgage or financial professional before making borrowing decisions. Content researched and edited by Mike Lucas, with the assistance of AI writing tools.

About the author

Mike Lucas — Founder, HELOCEdge.com

Mike is a UK-based personal finance researcher who built HELOCEdge.com after studying the US home equity market and finding that millions of American homeowners struggle to make sense of their borrowing options. He monitors Federal Reserve policy, tracks HELOC rate movements, and writes all content on this site with one goal: helping US homeowners make confident, informed decisions about their home equity. Read Mike's full story →

Editorial disclaimer: HELOCEdge.com is an independent educational publisher. We have no lender relationships and receive no commission from any financial product. Content on this site is researched and edited by Mike Lucas, with the assistance of AI writing tools. Nothing on this site constitutes financial advice. Always consult a licensed mortgage professional before making borrowing decisions.