My credit union union offers a 100% LTV home equity loan product (not HELOC) at 6.99% but it it is only a 10 year amort. 

I have excellent credit, 10K in cash saved and $0 in debt.

I ran a credit check and they have good credit.

LOTS Of fake lenders work BP  face book linkdin etc.if you cant find anything on them I suspect you may have run into a fake.the telling clue will be1. rates too good to really be true or lower than industry norm2. too quick to approve you..3. they want a modest deposit up front and give some BS reason why the want it.4. no website ( although many fraudsters have generic websites website alone does not mean anything.5. check on licensing.. there are only about 12 states that require licesnes. not sure about our state thoughBut I would say 95% if you cant find anything on them.. and any of the things I said above are what they are telling you,, cheap rates small up front deposit.. probably not real and you will just lose your 500.00 bucks or whateverOh the other great one is you have to buy an insurance policy because your new or a little weak on the financial side.. there are NO insurance policies for private loans if you fail to pay.. that's just another fraudulent payment to a non exisitant entity.real estate lending has become the new Nigerian prince scam..

Your ability to avoid sinking too much of your capital into Dead Equity by obtaining mortgage loans...without a job, will be key.Now, if you're one of those who are listening to 1994 Carlton Sheets cassettes, with no money in the bank, bad credit, living with mom and dad, but just a desire to purchase, then stop wasting your time and concentrate on finding a job.

With this income, I have finally balanced my credit card situation.

- Does the IRA provider have the capability to handle my IRA if it wants to extend a line of  credit?

Can I use a credit card as a deposit?

We are looking for a company who could maintain the loan and report it to credit bureaus to help improve their credit scores. 

My wife and I both have credit score over 700.