Home equity line of creditI 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 ?August 23 2013 - Coral Springs00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.