I have a 15 year home equity loan in first position with USB. I've lost one of my sources of incomesources of income, and need to get a 30 year. My bank says I don't qualify for any Obama plans because I have a home equity loan, not a regular mortgage, plus I'm current with my payments and my credit is good. I am self employed with variable income. Do I have any alternatives? Thanks for any input.July 26 2009 - Novato00YesReport 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.