stated income eloc will be difficult to get for how many more years?

I’ve been paying my mortgages on auto draft every month, had one that was in default but rcvd. a loan modification for that and have been paying for the past 6 mos. I tried for a line of credit on the home w/ the most equity I have in ca, but was denied b.c. the stated income guidelines are stricter these days (understandable so)…i’m just wondering if stated income is just non existant w/ the current market?????

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