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Home equity line of credit

I am trying to consolidate and improve my home.  I have a 636 to 639 credit score and my wife has 716.  My property should be worth $250,000 and am looking for a $20,000 HELOC.  I was turned down by TD Bank because of an 84.99% ltv they used that didn't get me even past a $10,000 heloc.  Everything else was ok except for that.  Now I am worried about hunting and getting my credit pulled and eventually lowering my score as it is.  Any Suggestions ?
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August 23 2013 - Coral Springs
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