HELOC lender help PLEASE!!!

[James Duke]

All these "approval in 5 minutes" lenders online for HELOCS that offer 13% interest rates.........Is this the going rate for a HELOC??

They all seem to have the same application software that does a soft credit pull and spits out results... For example "Movement mortgage" and "Homebridge"  

Does everyone "shop around" for HELOC? Some people charge for appraisals and credit scores fees up front. So how do you shop around without wasting so much time and money? My mortgage broker I contacted through a FB ohio real estate page "Krichbaum Financial" just sent me a link to "Homebridge." Do i need a broker for that??

Thank you,   getting frustrated.

James