Terry was born in Los Angeles and now makes her home in Orlando, Florida. An avid reader (her parents tell everyone they had to move from their first home because she finished the local library), she always wanted to "fix" stories so the characters did what she wanted, in books, television, and the movies. Once she began writing, she found this wasn't always possible, as evidenced when the mystery she intended to write rapidly became a romance. She loves getting into the minds of her characters, turning them loose in tight spots and seeing what they do. Too often, they surprise her.

Terry has numerous short stories published by The Wild Rose Press. Cerridwen Press has published four of her romantic suspense novels: Finding Sarah, What's in a Name? Starting Over, and Hidden Fire. Finding Sarah and What's in a Name? are available in print as well as digital format. What's in a Name? is a Gayle Wilson Award of Excellence finalist, and Finding Sarah finished in second place in The Lories, Romantic Suspense division. A fifth novel, When Danger Calls, will be available in December from Five Star in its Expressions line.