Looking for the best HELOC/Home Equity Loans in Brooklyn, NY

[Aundre Oldacre]

I'm shopping around for a HELOC/Loan for my primary 3 family home in Brooklyn, NY. Does anyone have any recommendations for banks or credit unions that will lend at least 500K with no closing cost, and the best rates? I have a credit union approval at prime but they want me to pay an appraisal. I've talked to Santander and they lend up to 750K but their rate is prime +.5% with no closing costs. PNCBanks has great rates at prime -.5% but only do up to 2 families. I'm wondering if there's a better option. I'm also self employed with a lot of write offs so it becomes a little tricky to get qualified but I have a cosigner if needed.

Thanks,

Aundre