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Needing a home equity loan

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    Needing a home equity loan

    My BK 13, will have been over for 2 years, this coming November. I have about 47% equity in my home and need to borrow $20K. Wells Fargo denied me yesterday.

    My credit scores are 670, 672, and one dipped to 625. My cash flow is absolutely fantastic now. Anyone know of a lender who works with someone, post BK13?

    Thank you, in advance!

    #2
    Try contacting a mortgage broker who can shop many lenders for you.

    Have you pulled your credit reports and made sure everything is reporting correctly?
    LadyInTheRed is in the black!
    Filed Chap 13 April 2010. Discharged May 2015.
    $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!

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      #3
      Yes, and wish I had done it much sooner. CitiMortgage has me being down for 180 days late for the past 5+ years. Not the least bit true and I have the bank statements to prove it.

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        #4
        Try Capital One or a local credit union. I just closed a HELOC yesterday with Palisades Federal Credit Union. Chapter 7 was discharged 8/18/2010.

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