I am curious about applying for a HELOC. My credit score is around 720, my income is about $80,000, DTI 38%. I have about $35,000 of old debt on credit cards (undergrad, grad school) at balance transfer rates - whenever a transfer period ends I move the money around and get a new 3% rate. I pay down the credit cards but I also invest in my 403(b) and Roth IRA. I have $45,000 of unused space on credit cards and a 100% on time payment rating. My home's LTV is about 80%, which means I would need to open a HELOC with a company that offers 90% LTV. Based on the information I've provided, is there is a bank/credit union that is likely to do business with me? Thanks for any information.