Have been out of bankruptcy for about 6 months, property worth 155,000 need equity line of credit, balance on property 11,000

There are programs that will allow for a refinance on your home with a recent bankruptcy (chapter 7 and 13). We don't have a line of credit program (for this scenario), but a cash out refinance is available. If you would like to discuss further details regarding programs please feel free to contact me anytime. Tom@thamesjackson.com

All conforming loan programs have mandatory waiting periods for major derogatory credit events.. There might be a hard money lender out there willing to do it based on your equity, but if you want reasonable rates and fees, you need to wait 2 to 3 years.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

Did you keep any of your revolving accounts? Have you looked at your credit scores?

This wil leb very difficult as line of credits will be in the second position and therefore more strict in regards to time of BKs and other credit issues. You would be best to refinance the first with that much equity and get a fixed rate But again you need a mortgage professional to take a look at your credit and determine what you can qualify for in regards to a loan.