Where to start to get a HELOC?

[Angela Zanti]

Hi. I'm hoping to get a HELOC to start my investing career. I have NO experience with a credit union but I hear they are the best for HELOCs. Any advice on what credit unions I should be looking at? I don't have the best credit score (like 675/685) and I had a downfall in the past but NO bankruptcy ever. I'm looking for a credit union in the Baltimore/Ann arundel county area that's good with second chances. Also any advice on what questions I should ask would be appreciated. I definitely would prefer a fixed rate.

Thank you 

[Nathan Grabau]

I just closed on a HELOC with Quorum Federal Credit Union. They will lend at .99 plus prime interest only up to 90% of the value of your property. 90% is the highest LTV I have been able to find without an astronomical rate.