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Updated over 2 years ago on . Most recent reply
![Natalie Hahn's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1300795/1621511125-avatar-natalieh45.jpg?twic=v1/output=image/crop=620x620@0x0/cover=128x128&v=2)
Good local credit unions or banks for HELOC?
Does anyone have suggestions for a good local credit union or bank in the Bay Area or East Bay? Looking for one that has low rates for HELOCs. Thanks!
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![David Lutz's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1323524/1621511327-avatar-davidl728.jpg?twic=v1/output=image/crop=1120x1120@0x77/cover=128x128&v=2)
When I got my HELOC the "appraisal" consisted of the lender having someone drive by the house and take pictures from the street to check external home condition and put together some comparables in the area. Very quick and easy and they never bothered me.