HELOC

hi: you might try a local bank or credit union. Another possibility to refinance cash out to another loan program. How long have you had the home if I may ask and have couple other questions? Lending Nationwide (NMLS 754875) Mike 703 505 5300

Usually not until you have owned the home for 12 months. Also, the max is usually 90% of the current value for a HELOC with any lender I've heard of recently. Remember, the day you close the house is generally worth what you paid for it unless other similar homes in the surrounding area are selling for more than you paid

You can get an Equity Line with any type of 1st Mortgage in place as it comes down to Equity and of course you need to meet all other requirements as well. As noted by others, there may be certain time frame that you need to meet with regards to owning your property, so do check with a local lender for more details. Good Luck!