美国采购需求：抵押贷款，批发贷款，非合格贷款/更优惠利率，轻松获得资格，顶级抵押贷款机构

I'm interested in obtaining a Home Equity Line of Credit (HELOC) or a second loan in the range of $95,000 to $120,000 against my primary residence located in Tracy, CA 95376. The purpose of this loan is to consolidate approximately $75,000 in existing debt, and I would prefer it to be secured by the property, ideally with the funds to be disbursed through escrow. Currently, I have a first mortgage of $438,000, with the property's estimated market value at around $780,000. My FICO score is approximately 618. Would you be able to accommodate my loan request based on these details? Looking forward to your response.