Denver Colorado No Title Seasoning for HELOC ?

[Seth Rouch]

Hi All. Tried to get a Heloc through Vectra. We declined because of a duplex purchase in June. They are requesting 3month paid mortgage and rent received.

I’m looking for recommendations on HELOCs without seasoning requirements.

Any suggestions? Thanks in advance!

[Kerry Baird]

I keep a file with non owner occupied HELOC providers, recommended by people here on BP.

All in One Heloc from Ridge Lending
Trustco
US Bank
TD Bank
PenFed credit union
Union Bank, specializes in noo HELOC
Arvest Bank
Union Bank, Washington StateEast West Bank offers HELOC on non-owner occupied investment properties up to 60% LTV with "no docs".

Utah: Americafirst 80% LTV on noo 65% LTV 15 year 5.74%
First Florida Credit Union (Jacksonville area)
1.99% for 12 months, 5.25% variable 80% CLTV 20 yr w 10 yr draw
Hurst Lending and Insurance Investment property HELOC in Texas
Tower FCU, all states except TX, max 45 DTI, green card ok. Max of three rental properties.