Local or national HELOC

[Judah Houser]

Hello, I am wondering if there is a best way to go about getting a HELOC. My credit is great and I have over $100k in equity. Should I look at small, local lenders or is it generally better to go with nationals like Capital One or Quicken loans on Helocs? Any advantage to using my original mortgage lender? Much thanks in advance.

[Judah Houser]

Thanks for the input. I apologize to the BP community for multiple posts. i was drafting them through the app and it kept crashing. Apparently it posted them all anyway. I'm not a huge fan of the app, but that's another discussion altogether.

@Diane Dono I'll look into my local lenders who I have accounts with. I'm somewhat new to the area, so I don't have longstanding relationships, but it doesn't hurt to strong arm them a bit/dangle a carrot.

@Marco G. I went to Bankrate on Friday and I'll never do it again. No sooner had I entered my email and phone number when my phone started ringing. I have averaged 5 calls a day from Capital One and Quicken Loans and others. They're relentless. That's not how I like to do business, so I'll try local and see if they can compete with the national perks.