<prompt> Human: I currently have 33 equity in my home and a FICO of 800. When I obtained the original mortgage two years ago I was in a full time position. Last month I asked my lender for 10 for an upgraderemodel. They denied the request. Last year I left my full time position for two per diem jobs that provide the flexibility I desire so that I can spend time with my kid. I can document 9 months of steady, consistent income from the per diem gigs. Lender still says its against their rules to write a loan based on per diem income. In a post-2008 world I suppose I can see where theyre coming from. Is this standard practice amongst lenders, or is mine being particularly stingy? Thoughts?EDIT: Im in the US.  <response>: Shop around. There are plenty of institutions that would give you a HELOC with self employed income. However, most of them would want to see more than 9 months documented. I guess you will have no problem getting the loan when you have 2 years documented.Good luck. 