HELOC for the self employed

[Nick Militello]

is there a bank/lender that allows for one year of tax returns. for a HELOC? I have $225K+ equity in my home, at least and the ability to pay off the added debt. My 2020 tax returns during covid do not reflect this but my 2021 returns do. I am starting to reach out for Hard Money lenders within my own contacts now, but prefer to use a HELOC if I can as a first option.

[Caroline Gerardo]

HELOC programs dropping the product like pancakes. You need 730 middle FICO, same line of work three years, and reserves. What state, property type, owner occupied, and all the ins and outs.