For starters, you have not mentioned where you are located and that's kind of important when it comes to HELOCs as local credit unions and banks can offer better deals than the Bank of Americas and Wells Fargos of the world.But based on what you're asking, I'd get to Google and start looking up local credit unions and smaller banks and start making calls.

@Erin Wysocki , reach out to Steve Dorsett over at Clear Title America in Tampa.

Bank of America bought Countrywide 2008.

El Paso is one of the fastest growingcities in North America being that it harbors Fort Bliss the home ofthe Patriot Missle and is also the second largest port of entry toMexico.It is estimated that over 25 000 Military forces are to be relocatedto El Paso within the next several months.I would like to formally introduce myself and extend my services toyou.

A lot of times this market is served by an extended stay america, it may be hard to break in when you are an unknown entity. 

Calvo says, “Over 20 million houses, on any given night in America, are completely sitting vacant.”

Do your research, get clear on what you want, be realistic (America is currently in a very strong Sellers market) and the most important thing is - make a commitment.

Will hit regional banks as well like Comerica, Frost, etc. and will probably talk to the Megan’s like Wells Fargo, Bank of America etc to get some pricing. 

kwikset is higher but if you ever have to do a quick switch out (as in, you just did cash for keys & stiffed them on the check), you'll be thankful you spent the extra $.And if you're not handy, the kwikset is a total godsend.We have them even in our house...there's probably a good reason the largest SFH rental company in America uses them.

IE middle America little farming towns and one job towns were that job closed up 10 years ago.