I HAVE ANOTHER 5 YEARS TO GO BEFORE MY BANKRUPTCY IS DISCHARGED, AND I AM HAVING TROUBLE FINDING A LENDER FOR A HELOC type?

Of course, two years, is the minimum with some exceptions, after the discharge of a bankruptcy that you may be eligible for qualifying under FHA guidelines for a first mortgage. FHA can even allow for cash out from a refinance up to 85% loan to value. Consult a local mortgage broker/lender to find out if you qualify. Otherwise, I really know of any lender willing to overlook the short period of time since a bk discharge and provide a heloc or 2nd mortgage loan.

On my previous comment I did mean to say I do not know of any lender willing toprovide a heloc or second mortgage with such a short period of time since a B K discharge.

Having said all that I did about FHA loan eligibility, I failed to mentioned FHA does have a second loan available. I personally do not do them but you might searchfor a lender who provides the FHA second, but my last company provided one under an exception because of an emergency situation, and corporate held the loan until someone would purchase it, or more likely...they just kept it!

I should have taken a lunch break before I provided so many comments when you clearly said your bk is not discharged for another 5 years. Ask the lender if they have experience working with a lender under a chapter 13 is it? Anyway, there are guidelines that you just might meet.