is it easier to get a second mrtg or a line of credit

a line of credit is also a second mortgage. in this environment, it may be easier for you to obtain a traditional (fixed term, fixed rate) second mortgage. that guarantees payback of your principal balance to the lender, and with shrinking equity all over the nation, it's probably the best position for them to be in.

Both have the same qualification requirements, but the fees for a HELOC are normally lower if you get it from your Bank. There's usually an annual $50.00 fee or so for HELOC's too. If you're a real good customer of the bank, they'll waive all fees and give you the HELOC for free.

can I find a lender in dallas area

a phone book or google or bing or some other search engine ought to work well for you ssc.