Yes. Since it’s held by a private party instead of a independent financial institution, they lender providing the HELOC will want to see a copy of the recorded note (so they can have the terms of the loan), and they will want to see 12 months of cancelled checks for payment history verification.

If you don’t have cancelled checks, you are out of luck with a HELOC. They are not making exceptions to this anymore.

Yes. The mortgage company will want to get the home appraised to make sure it is worth how much you are trying to take from it. But as long as you have enough it should not be a problem. You can either keep your current mortgage and also get a second mortgage for however much you are looking to get. You also have the option of refinancing and paying off the original lien and receiving the rest of the money from the loan payed out to you so that you can use it for home improvements.

It would depend on how much equity you have, and what the lien is and how much it’s for.

It may be discovered and the loan company wants to be assured they’ll get paid before others. So it may depend on that lien.

yes if yo have equity builtd up in it its not hard

Yes, usually. It’s called a second mortgage.