Maximize Savings With Best HELOC Rates California Offers

Several factors can influence the rates offered by lenders:

1. **Credit Score**: A higher credit score typically results in a lower interest rate. It's advisable to check your credit report and address any discrepancies before applying.

2. **Loan-to-Value (LTV) Ratio**: Lenders assess the LTV ratio to determine the risk of lending. A lower LTV ratio can lead to more favorable terms.

3. **Market Conditions**: Economic factors and Federal Reserve policies can impact interest rates, making it essential to time your application strategically.