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I am currently exploring options for a Home Equity Line of Credit (HELOC) with a target loan-to-value ratio of around 90%. My primary goal is to find the best rates available, while also minimizing any associated fees or charges. It would be great if you could provide me with your most competitive offerings that align with these criteria. Additionally, I'm interested in understanding the application process and any specific requirements necessary to get started. It's important for me to ensure a smooth and straightforward experience, so any insights on timelines or documentation needed would be very helpful. Looking forward to your prompt response with the details!