Home equity loan on a house with no mortage?I paid off my home but have a 180 day late payment on credit report can this be done

Much more info needed to answer your question.. Specifically, when was the 180 day late payment, and how many where there.. HELOC's are not a conforming loan product.. meaning there is no boiler plate set of guidelines you must adhere to.. each lender who offers a HELOC will have their own guidelines and rules. So, you will just have to call around.. But in general.. HELOC's are most always in 2nd position.. so most HELOC lenders have a much higher credit standard then 1st position conforming loans. That being said, because there is not first, it's possible someone might lend to you, but you will just have to start calling and asking. 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 / LendUS, NMLS 1938/ AZMB0121893