I guess this is a question for the message boards but I'm trying to find a bank that will offer an 85% loan to value ratio on a home equity installment loan.

I currently have 1 lien on my house. This lien is due a 15 year home equity (3.99% int) that we just refinanced into 6 months ago up to 80% equity limit with provident.

We took out a personal loan (20k) to add a garage to the house and I'm looking to see if I can roll the personal loan into my home equity loan. Since Provident does not allow you to go past 80% I was wondering if anyone else knows of someone else who might? According to current value, I would need 85% LTV ratio.

We are in talks with PNC right now but I was misquoted some numbers in my first phone call and it looks like their interest rate is actually way higher (5.99%) then what I was expecting! Any help would be appreciated!