Looking for owner occupied HELOC, low L/C in stable local market

[kapture8555 0]

I spent a year building my dream home overlooking Missouri's Lake of the Ozarks. I have over $1.3 million in equity but find myself unable to obtain a HELOC due to the tight credit market and a fall off of business income. I'm looking for a $250,000 secured line of credit to payoff remaining contractors, credit cards and provide reserve funds. My credit score is good in the 700’s. My home was recently appraised for $2,500,000. For capital tax gain and other reasons it is my intention to live in this home for 2-3 years.