We currently have an active Chptr 13 bankruptcy that will close Dec 2012.

Equity lines are pretty tough these days however an FHA loan may work for you. There are many factors we need to look at in determining eligibility. I'm just north of you in Claremont, NH. Let's talk by phone and see if this can be done for you. My number is 603-543-3700 ext 1. Thank you for the question.Don LaPlume

Not really sure what your question is?? If you are asking if there is a 2nd mortgage available to someone in BK 13, my guess is there probably won't be many willing to do it... for 2nd I usually recommend contacting one of the big banks... most brokers don't deal with 2nd mortgages... WilliamAcres.com

The Likelihood that a lender will grant you an equity loan or equity line of credit just after the completion of a Chapter 13 is slim. These products are generally reserved for borrowers with stellar credit histories. My advice would be to talk to a local Mortgage Banker/Broker about doing a refinance. They will be able to look at the various options available for your unique situation. Depending on where your current rate is, you may find that it is actually cheaper and easier to do a cash out refinance. I don't ever recommend going to one of the big banks because bank employees are usually just an order taker. Once your application gets into the pipeline, it will probably be declined. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com