I would like a HELOC. My credit union has the best rates, but takes FOREVER to close the loan. They are quoting over 90 days currently. There’s another local credit union that I’d work with, but they won’t quote me the actual spread rate over prime until they get the application, etc. They say it will be 0-3% over prime, which is not particularly helpful. Given how long this process can take, should I just apply to both right now and if the local credit union gets back with a 0-0.25% spread rate like the other credit union would give, I’d just continue on with that application. Otherwise, I’ve at least started the process with the other one and don’t have an additional multi-week delay?