HELOC- closing costs?

[Elizabeth Bower]

We have decided to take out a HELOC on our house to fund our first house. I research the numbers and apply and then the lender calls me.... He starts talking about closing costs.... appraisal, title search on our current home and variable interest... My question is, is this what to expect with every bank or should I move on to the next and find a better deal? Any recommendations are welcome! Newbie here! What’s the best way to finance with a HELOC?