What lenders offer 115% or 125% home equity loans?

It has been a long time since I have heard of any lenders offering equity loans that going beyond 95% combined loan to value let alone 115% to 125%! I just do not forsee that being offered in the near future.

No one anymore.

Finance companies - if anyone. No mainstream lender goes over 90-95%

I don't believe anyone offers these loans anymore.

There aren't any lenders going over 100% or even up to 100% unless you can find a local credit union as that would be the best place to look. For any Home Repairs, there is a FHA Title I loan program that you can use for renovations (must be approved renovations) up to $25,000 without any equity in your home. If that is something of interest, I'd suggest you look into that. Good Luck!