Are there any lenders that will help me with my home equity loan??

You'll need to be at least 2 years away from the discharge date of your BK.

You can't find a lender because everyone deems your risk too high. It is a proven fact that is still takes the average person who files bankruptcy a few years after to really truly get back to to normal. While each situation is different, the industry has put a two-year minimum before even thinking about giving you a loan. Sorry, but it is part of the price you pay for having a bankruptcy.

you must wait at least 2 years and have re-estabished credit...don't waste your time at this point..it will not happen...sorry

and your age has nothing to do with it...whatever David means with this question

I suspect the question about your age is relevant if you're 62 or older; if you are, then you can apply for a Reverse Mortgage Home Equity Line of Credit...your credit will not make a difference in the case of a reverse mortgage. Aside from that, you'll likely need to wait more than 2 years to get an actual home equity line of credit; you can get a loan after 2 years, but I doubt you'd find the terms to be like what you're hoping. If you're going to use the home equity for home improvements, then I would suggest you speak to certain service providers, as they may be able to finance something for you...like windows, siding, etc. Aside from that, you could check a finance company, but the rates and fees are often labeled as "predatory." The companies that come to mind are Citi Financial, Wells Fargo Financial and American General Finance...but, I'm not even sure they'd be able to help you, or if they're lending in your area.

You are unlikely to get a home equity loan for another couple of years. However, the first thing I would do is begin a relationship with your local Credit Union. Although Credit Unions generally have very strict underwriting standards, as a customer, they would be willing to help you prepare for a loan secured by your home in the future. The other alternative is you will have to wait until the BK discharge is two years and one day and then you would be eligible for an FHA cash out 1st Mortgage. Good luck. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com