I have over a 700 fico score and make over $200k a year. Problem is that 5years ago i had to do a chapter 13.

It's hard to say.. First mortgages are all conforming loan products where every lender has a "Conforming" Set of minimum guidelines they must go by.. but when it comes to HELOC's.. there are no specific rules.. every lender offering HELOC's will have their own set of rules.. for this reason, the only way to know is to shop around, and your local bank or credit union is best for that.. however most will require that your BK be 3 to 7 years behind you. It's possible because your score is good, and I'm assuming your debt to income ratios are in line, plus you have a decent equity position, that's its possible even with a 2 month old discharged BK, you can find someone.. but it's not going to be easy.. 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

We might have some options for you considering the amount of equity that you currently have in your home. Let's discuss your loan scenario! My number is 800 315 8803 and my name is Jamie. I have been lending nationwide since 1989 and am happy to answer your mortgage questions. Jamie - NMLS 850582 , www.bartprequalifies.com, 800 315 8803

There is no general set of rules for home equity loans like there is for traditional loans, like Fannie Mae, Freddie Mac, or FHA loan. Most home equity loan rule are made up by each individual bank or lender. You will need to start contact them to see how they feel about your recent Chapter 13. Good Luck.