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What reputable companies offer home equity loans for someone who had a bankruptcy 8 years ago with a 700+ credit score now ?

by soldbymelby486 from Orlando, Florida. Sep 23rd 2014 Reply


Nick Hannemann (nhannemann)
#508 ranked lender in California - 4 contributions

That's more than necessary seasoning since your bk. I would go to your nearest credit union or depository institution like Wells Fargo or Chase. Home equity loans are not a product you want to solicit through a broker.

Sep 23rd 2014
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Phil Dumouchel (PhilDu)
#32 ranked lender in South Carolina - 2,225 contributions

Seems like good advice from Nick, start by calling whatever bank or credit union where you do your banking or aready have a mortgage.

Sep 23rd 2014
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Sean Young (SeanYoung)
#2 ranked lender in Colorado - 1,107 contributions

I would think a local credit union or bank would offer you your best options. They will still look at your overall credit and income picture. Best wishes, Sean

Sep 23rd 2014
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Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 3,524 contributions

No lender will care about a bankruptcy 8-years ago... You will be fine. So what lenders? My advice is stay away from large internet lenders, and stay away from banks. Contact a local mortgage broker in your area. In MN, WI, and SD - visit www.StPaul-Mortgage.net

Sep 24th 2014
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William J Acres (William_Acres)
#2 ranked lender in Arizona - 7,927 contributions

Assuming you qualify in all other areas, you should have no problem. Most lenders require 7 years waiting period, so you should be ok.. 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Sep 24th 2014
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