Key takeaways Shopping around for a HELOC can help you discover the best interest rate and terms. A variety of factors can impact your overall loan cost, including prepayment penalties, origination fees, maintenance fees and minimum draw amounts. Maintaining a good credit score is one of the key ways to obtain a competitively-priced HELOC. With home equity line of credit (HELOC) rates hitting their lowest levels in years lately, you may be wondering if now is a good time to borrow against your home’s value.  Not only is shopping around for a HELOC crucial for the most competitive interest rate, but also for other favorable terms and conditions. Several factors will influence your ability to get a good rate, including a strong credit score, a low debt-to-income ratio and the lender you choose.  The U.S.…