HELOC with lower credit score

[Francis Woods]

Hi guys,

I'm looking to take out a HELOC to pay for a new roof and pay off some credit card debt that was accumulated to remodel the house. As I moved to the US 6 years ago I have a relatively low number of credit lines with only a few years of history which made it trickier to get the mortgage with a credit score of ~710. With the credit card debt it's now around 670 although I'm paying it down to bring it up. I applied to Chase and Wells who both rejected me a couple of months ago based on the credit score.

The house is worth about $1.1M with $600k mortgage outstanding, income is high and I'm only looking for around $60k HELOC.

I might try my luck again with Chase/Wells after my credit card balances are a bit lower, but any other recommendations? Especially for HELOC providers that are a bit more lenient on the credit score side of things?

Cheers!