My question involves real estate located in the State of: Arizona. The value of my home if I sold would be enough to pay off the 1st mortgage along with closing cost and realtors commission. My HELOC $148k is keeping me from being able to sell, and I don't have the cash on hand to pay off the HELOC. Due to the large amount of debt I currently have, I doubt any bank would lend me the money to pay off this HELOC. I'm still willing to make payment to my HELOC, so is there any way around this issue so that I can sell? Credit Union that loan me the HELOC says NO!