I know this might sound dumb to most of you, but it is not obvious to me and I don't know who else to ask.  I am at the point where I am ready to start trying to figure out my options for how to use my Heloc, but I don't know who to ask.  In one book I read I should "shop around" for the best deal and for a bank that has experience doing rental investing with a Heloc.  But what does that mean exactly?  Who would I even ask for when calling up a bank or credit union?  I know some of you are probably thinking, "well who did you talk to when you bought your primary residence?"  Fair question, but I got the name and number of that loan officer from a friend and that person doesn't live in my state anymore and I was hoping to actually be able to sit down with someone.  Do loan officers sit down with potential clients?  I ask because mine never did.  We spoke on the phone a couple times and the rest of the time I just communicated via email.  Besides, just talking to one person is not what it means to shop around.  How do you guys do it?  Do you just start calling up banks and asking to speak to a loan officer?   Thanks for any help you can give.