I and am wanting to take out a HELOC on a property that I own outright. Wellsfargo will only allow me to have 4 loans and this will make the 5th one with them. Do you have any suggestions on who would give me a Heloc. We just finished remodeling a duplex. We paid for it in cash and did all the remodeling. Now I just want to pay off my remodeling debt and keep some in savings. What do you suggest?