which banks will make an equity loan after a bk 13 after 4 months from discharge

There are a very limited number of "hard money' lenders that will provide a equity line of credit loan at a much higher interest rate and cost. They generally want a pretty low total loan to value though (i.e. 75% or less). Other alternatives would be seeking an fha cash out loan which could yield give you a low interest, but would require upfront PMI and monthly mortgage insurance payments. However, it is a matter of looking at the benefits including the final total monthly payment. There is also a cash out loan possible with a higher interest rate and no mortgage insurance if you have the equity in the home, up to 75% total loan to value.

It looks like I gave you an answer in a hurry as we had plans for the long weekend, but I hope the answer was clear enough for you. A couple of grammatical errors I failed to edit, I was attempting to elucidate the substantial cost and higher rate of the only conventional type loan available with "cash-out" to match the amount of money you were hoping to receive thru an equity line of credit. There is a substantial amount of equity held in the property required after getting the "cash-out." At least with the FHA cash-out loan you can qualify without being required to hold much equity in the property, and the low rate can counter having to have a monthly mortgage insurance payment.

We have a program for such situations. Contact me for information.