HELOC/HELOAN on 2nd home

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Hi Everyone, 

My wife and I are attempting to get a HELOC for a 2nd home. The broker we went with brought down the LTV to 75% as they said it is considered a rental property and not a 2nd home since we don't own the home we live in. Now we cannot access as much funds as we need. We were originally told 90% CLTV. It doesn't make sense how the status of my 2nd home would change because I don't own my primary residence. Are there any other lenders out there that can help us with this?

Thanks!