HELOC questions, just refinanced

[Ken Ken]

I live in San Francisco and just refinanced. This will be my first time getting a HELOC and not quite sure where to find a good deal and compare the rate. My loan officer refer a bank but I would like to shop around and compare. Can you refer me to somebody who's has good rate?

I’m also confused about the prime rate and indexed “something”.   So prime rate is the same for all the banks unless they say prime rate + 0.xx%? 

I understand how much money I can borrow, first year introductory rate, draw and pay period.  What I don’t understand is how much I will end up paying after 1 year.

Thanks in advanced,