No voicemails. No "just following up" emails from a processor. Apply for your HELOC on your own time, from your phone, and see if you're approved without talking to anyone.
Typically has good rates and the smoothest process.
Apply with Lender 2Typically has good rates and approves most clients that were previously declined.
Apply with Lender 3No. You apply online and see whether you're approved on your own.
Most people finish an application in a few minutes from their phone.
Try the next lender on the list. Each one approves different kinds of borrowers.
Start with Lender 1. If it doesn't work out, go to Lender 2, then Lender 3.