can i get a hleoc 3 months after chapter 13 bankruptcy discharge?

Generally, NO!! A Heloc is a 2nd position loan.. and does not go by the same rules as conforming loans.. Also, the 1st mortgage in most instances is insured.. meaning if you default, then there's an insurance policy that will pay the majority of the lenders loss.. but for 2nd position loans, there is no mortgage insurance.. so, most lenders who offer these types of loans will have greater restrictions and increased guidelines to match the added risk they take by doing them.. For most all 2nd position lenders, they wont do a loan unless you are 7 years out of a major derogatory event (foreclosure, short sale, BK).. there might be a handful that might do it after 4 years.. but typically, I've only see this with small community banks or local credit unions which a borrower has a longstanding relationship with.. outside of that, you will need to wait 7 years.. Now you can do a cash out refinance 1st position loan.. but the waiting period is still 2 to 4 years depending on the loan product you go with.. With FHA, you can do a cash out refinance right now so long as you meet all other eligibility requirements.. Also, FHA does have maximum loan amounts, and I know CA has some pretty high priced homes.. so I would need more info to see if there is a way for you.. That being said, feel free to reach out to me.. i'd be happy to look at your complete loan profile and advise you.. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893