how long after my chap 13 is discharged should I apply for a home equity loan?

It will vary from lender to lender but most will want you to wait longer than is possible for an actual mortgage. Start by calling local credit union's then smaller community banks. It will also depend on what your credit looks like now and how much equity there will still be in the house after the new loan. Good luck!

From 1 day up to 4 years, depending on the lender for a mortgage. An equity line will be harder mainly due to your only real option is a bank or credit union. Depending on your current rate and credit score and how much you are looking to borrower, it may be a better option to look at a cash out refinance. It all depends on your overall financial situation. With more information, we may be able to help you find a solution...Coastal Funding Corporation 843-215-6200 or 803-900-0090

Better to,get a hard money 2nd