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Hi, I am Brian1.I joined this community on 14th June, 2008 and have contributed 360 posts.
6 Quick Messages
shannonmarieg	Thank you for the reply left to my post. We will not be ready to do anything for several months. Any advice (besides the obvious paying things on time) on how to raise scores and if it is needed... how do you find private investors? We may have enough money to build ourselves but it would take everything and I am not sure we can do that. If we did go ahead and use all of our savings and equity in our current home... can you then take a loan out (either equity line or whatever) on a home you own outright?Thanks!
picture121	Can you refinance just your 1st mtg and not your HELOC?
bret	Brian, thanks for the info....will contact you for additionalhelp.
RJones	BrianTell me more. I know I am not able to refi at the moment. I have to get this loan down before I can do that. I would like to discuss this further but not thru the message board. Thanks for your advice.
MIKE	Thanks brian for your response, Im going to follow your advise. Thanks again.
gorillasteve@gmail.com	No, the total would be below the 80% limit. I have since discovered that TX law considers a cash-out refinance to be the same as a home equity loan, and that one is not permitted to have more than one home equity loan at a time in Texas. So, my only option is to refinance.