MyHelocRates.com exists to help US homeowners understand Home Equity Lines of Credit — a financial product that is widely available but poorly explained. This page sets out, plainly, how the content on this site gets made: how topics are picked, where the numbers come from, how often they're revisited, and what to do if you spot an error.
How topics are chosen
Topics are chosen based on the real questions US homeowners actually have about HELOCs — drawn from search behaviour, common points of confusion identified in CFPB consumer complaint data, and gaps noticed in existing coverage elsewhere. Priority goes to topics where clear, honest information is genuinely hard to find, rather than topics that are easy to monetise.
How published content is verified
Every factual claim involving a number, rate, or statistic is sourced from a primary or authoritative source — not from other blogs or secondary summaries. The table below shows the source categories relied on most, and what each is used for.
Where the information comes from
Where a figure can't be sourced to one of the above during writing, it's flagged as needing verification rather than published unsupported. Statistics or figures generated or estimated by AI tools are never published as fact without independent verification against a primary source — see the note below on how AI is used in the writing process.
How often content is reviewed and updated
HELOC rates move with Federal Reserve policy, and tax rules change with legislation. Rate-related content is reviewed whenever there's a material Fed rate decision, and the rest of the site is reviewed periodically — checking that IRS figures, standard deduction amounts, and legislative references (such as OBBBA provisions) remain current. Every page displays its last-updated date. There's no claim of a fixed, automated review schedule that isn't actually run — if a page says "updated," a person reviewed it; a system didn't.
Corrections policy
If you spot a factual error, an outdated figure, or a broken source link anywhere on this site, please get in touch using "Content correction" as the topic. Every correction request is reviewed personally by Mike. Confirmed errors are corrected as soon as practical, and for significant factual corrections the update date on the affected page is revised too.
Who writes this content
All content on MyHelocRates.com is researched and written by Mike Lucas, the site's founder — not by an editorial team or outsourced writers. Mike uses AI tools to assist with research and drafting, but every fact is personally checked against the primary sources listed above, and every published page reflects his own editorial judgement — not an unreviewed AI output. You can read more about why the site exists and Mike's background on the About page.