my chap 13 BK was discharged 8 months ago. I would like to get a $10-15K HELOC. My FICO is 628. I owe $550K, home value $900K

Helocs have much tighter guidelines than 1st mortgages. It may be difficult to find a lender that would offer a Heloc with the information provided. Your best bet might be to check a local bank. Good luck!!

More than likely, not going to happen.. Because HELOC's are a 2nd position loan, the lender takes a greater risk, and therefore require a much more solid borrower. You have equity, so that's good, but you have a major derogatory event that scares most lenders.. the only thing that might work is if you have a long standing relationship with a local community bank or credit union.. There also is hard money, but it's unlikely they would do a 2nd position loan.. 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 NMLS# 226347

Dan and William have given you good advise. Follow their lead and look for a LOCAL BANK or CREDIT UNION.