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Hi, I am Brian1.I joined this community on 14th June, 2008 and have contributed 322 posts.
5 Quick Messages
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.