Does a HELOC check everyone's credit on the title?

[Michael Cote]

If my uncle and I are both on the deed, and I'm wanting to get a HELOC, will it require his credit score to be decent? He has a bad score at around 540, but mine is around 750. Is there a way to get the HELOC without bringing in his bad credit? What if I wanted to do a cash-out refinance? Will that also depend on his credit since he is on the deed?

[Tomas Rodriguesz]

As Jason said, and also if both are borrowers in the deed and you only want to be in the HELOC, keep in mind that your income has to be able to support it as well as your credit to be alone.