We own your home outright but have a bankruptcy can we get a equity line?

Normally I would never say what I'm about to say but if the shoe fits wear it!!I would go to your local bank, if anyone is going to overlook the BK and I'm not sure how long it has been discharged it would be the bank you use for checking and savings accounts if your home is free and clear

It will not be easy but possibly depending on how long ago and whether you've re-established credit. Sometimes it is easier to get a new mortgage than an equity line... If your bank isn't interested try a smaller community bank or credit union, they will be the most flexible. Good Luck!

If you owe anything on the house or not isn't part of the equation to getting a new loan. It is all about total loan-to-value of all loans (if any). The next aspect is the bankruptcy. When was it? Was it yesterday? Two years ago? 10-years ago? Talk to a local mortgage broker about your individual situation.