Home equity loan after bankruptcy

2 options.. you can apply for a first mortgage, but you're going to have to get out more than just $15k... most lenders won't do a loan for less than $50K.. The 2nd options is to get a first lien line of credit.. by applying for a HELOC, you apply once, but have unlimited access to the funds without having to re apply each time... you'll get a few offers on here I'm sure, but you can also check with your local credit union or a local mortgage broker... I'm a Broker here in Scottsdale AZ and I only lend in Arizona. 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

The fact that your bankruptcy in nearly three years old is good. Most lenders will require at least that long before being willing to make you a real estate loan. Your best bet is with either a local community bank or a credit union. Skip the big banks because they amount is too small and they will likely hold the BK against you, even this long out. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

Talk to a local credit union... Your small loan amount and good equity position may work well for you.

You may have to wait the full three years before applying. Your best bet is a local depository or credit union if you'd like to try now.

Probably best to check with a local bank.

Check with a local bank that keeps it mortgages on their own books or you can also check with the credit unions.

Local Credit Union would be best for a loan that small.