I have a fair amount of equity in my home. Home value around 390 and I owe about 270. I applied for a home equity line of credit and they only wanted to give me 20k. This was with Chase (who my mortgage is not with). Do all banks calculate how much they will give the same way? Could I expect a similar number from other banks? Is there any other options as far as getting financing to build onto my house? I need about 50k-70k. Is taking out a second mortgage an option?