Looking for High LTV HELOC Lenders for O/O Residence in CA

[Mehran K.]

Hi everyone,

Just like the topic says, I'm looking for a bank/credit union that does high LTV HELOCS in California.

Home appraised 3 months ago @ $500k, I'm @ 78% LTV with a $390k 1st mortgage. I have 1-2 credit unions(after searching high and low on google) I'm calling on Monday that I hear do 90-95% LTV. Would like to add more to my list and hope atleast one turns out to be legit.

Has anyone dealt with SDFCU (State Department Federal Credit Union)? According to their web site they have a 95% heloc and you can join by donating $25-30 dollars.

Thanks in advance!