Hello i currently have a bankrupsy on file it will be 7 years in August discharged chapter 7. My mid fico is 658 and my wifes is

Hi Kevin here, you can get a 30 year fixed loan at approx 4 % , don't know why you would want a HELOC ? We can get you a loan to of up to 96.5 % LTV for a purchase at FICO down to 640 even with your BK. Call me I'd be pleased to discuss this with you , 760 208 2609 or email kevin@sdlend.com , www.sdlend.com

There is really only a slim market for Home Equity Lines of Credit and the average Bank / credit union is starting at 700 or 720 FICO and only lending up to 80-85% loan to value. I would really like to know more about your situation and what you are trying to accomplish - I think there may be a product out there for you, just need to know a little more details. Eric 206-794-6388

I am in agreement that you probably would not qualify for a HELOC at this time, but would qualify for a standard mortgage or refinance. I would suggest contacting our San Jose office of Bay Equity LLC at 501-604-6526, and talking to a licensed loan officer there about what you are trying to accomplish, so they can get you the best program for your situation.

There is really only a slim market for Home Equity Lines of Credit

Difficult. Consider a 30-year refi.

Equity Lines of Credit are significantly riskier for a lender than a traditional mortgage. Consequently, the underwriting requirements are much tougher. I know of no lenders that will give an equity line approval to a homeowner with scores below 700 with or without a bankruptcy in the past. Your only real option is to begin calling and see if anyone will consider a HELOC with your scores. I suspect you are going to have to look at a refinance to extract cash. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Certified by the National Association of Mortgage Professionals and Licensed in California and Arizona ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

Equity Lines of Credit are significantly riskier for a lender than a traditional mortgage. Consequently, the underwriting requirements are much tougher. I know of no lenders that will give an equity line approval to a homeowner with scores below 700 with or without a bankruptcy in the past. Your only real option is to begin calling and see if anyone will consider a HELOC with your scores. I suspect you are going to have to look at a refinance to extract cash. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Certified by the National Association of Mortgage Professionals and Licensed in California and Arizona ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

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