Can You Get a HELOC with BAD Credit - Good Idea? 

I keep running into the same problem. I had some financial issues last December and got 2 months behind. I got caught back up but they keep telling me I need 12 months of on time payments to qualify. Do you know of any lender that does not have this requirement. I've had the mortgage for 7 years and literally those 2 months were the only late payments and I fixed the issue. It amazes me that I can pay on time for 7 years and have a little financial problem and it disqualifies me completely. Makes no sense

Thanks again Jay for another awesome idea ! What are some of the best questions do I need to ask my lender & do they need to know what we’re planning on doing with the HELOC ? I started the process online locally with a credit union & spoke to him on the phone .

I get paid 6 figures and 0 debt Home all paid for. Credit score 618 - still can;t get a HELOC. - The system is broke

Thanks jay. Do you think i could get heloc on payed off property? Like land or other investment property not being my main house?

Hey Jay, are there any other loans for house hackers that are less than 20 % ?

Jay, if I have a HELOC and the market goes down but I always paid my HELOC on time, can the lender still request a full payment? Or because I don’t have any financial issues to pay, the can’t do it. Thanks,

Can i get heloc if i have mortgage with my wife? Do both have to apply ? How would this work ?