Will a HELOC affect my DTI if I have a Zero balance?

[Jonathan Pflueger]

BP's, 

I am looking into getting a HELOC on my primary residence and I was wondering if it will effect my DTI ratio when I go and apply for a conventional or commercial loan in the near future?

For instance: If I get a HELOC and keep the balance at zero while I am applying for a new conventional loan will it count against me or my DTI? I had a lender tell me that if I get a HELOC the entire amount of the HELOC will count against my DTI whether or not I have a balance on it.

I has always thought of HELOC's as credit cards. No matter the limit on your credit card and as long as you have a zero balance your DTI is not affected.

Any insights are greatly appreciated. 

Jonathan