Just searching for a way to access the equity in my home. Bankruptcy in the past, behind on mortgage payment and bad credit at the moment are the current obstacles for my family. Hard to make ends meet at this time. Would like to access this money to get caught up on mortgage and a few other bills. Not the best way to deal with money issues, but I'm at the point where there is no alternative. Any help would be appreciated.

How long ago was BK? Typically once you've had a BK and your credit gets dinged no conventional lender will entertain any loan. There are however some hard money lenders that might entertain as long as you have at least 35% equity. If you are 62 or older you could look at a Reverse mortgage also as credit is not an issue. Good Luck

I would need more info to properly advise you but in general, Being currently delinquent and a past BK makes your scenario near impossible.. the only way you will be able to tap into your equity is to sell your home.. There might be some grants out there that might help, but you would need to search your local community assistance centers to find out.. but even then, these programs usually take months to get money, and depending on your time frame, it could be too late for that.. Short of any grants, you need to seriously consider selling your home to capture your equity and preserve your credit (or what's left..).. this way, when your situation improves, you can purchase another home.. But I have seen your scenario many time, and the biggest mistakes people make is they latch onto their home so hard and so long that they end up losing it to foreclosure and walk away with nothing but bad credit.. Sell now, and once the dust settles and you have your life back on track, you can purchase another home... 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