Can you get a home equity loan if you have a lien on your property?

Most home equity loans take 2nd lien behind the first mortgage. I'm going to assume that you have a first mortgage with a lien behind it and are seeking a home equity loan. If you want your home equity loan to close, you'll either need the existing 2nd lien to subordinate to your new home equity line of credit. In other words, it would have to allow the home equity line to be second and it would have to move from 2nd to 3rd. Without their consent in doing this, you'd have to pay them off to get the home equity line of credit.