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I have a 5/1 Interest only loan. Resetting 09/2011. I want to refinance only my first mortgage from an ARM to a 30 year fixed. (It's currently $608K) I want to keep my second as is ($152K ARM) Due to declining home values, I have very little to no equity in our home. However, I just want to refinance the 1st (which would be plus or minus about 80% of my current home value). I have both loans through Wells Fargo. WF say they can't do anything unless I have 10% equity. So I'm looking around for ideas. I have: Good credit. No car payments. No student debit. No credit card debt. Any thoughts or other ideas. I'm happy to keep my 2nd as is. Just want to get the $608K fixed at a low rate. Thanks
You can't just do one. When you refinance you have to pay all liens, which would be the other mortgage as well. I am surprised WF would do this with only 10% equity. I have very good credit and they would not give me a deal like this, I have to have 20%. If you want to refi the loan will have to be for 760k, no matter what bank. WF requires me to appraise with 20% equity, but maybe that is a ohio thing.
Wells Fargo can do this. I know because Wells Fargo offered "streamlined"(conventional 1st loan) refinances to all their customers in 1998, 2000, 2002. If you had a current mortgage with Wells, you filled out only a few papers and the total cost of the refi was the cost of notarizing one paper. The interest rate dropped but the loan balance remained the same. They have not changed ownership in the time since they did those. Someone can do it for you. Go in person..
Normally you can refi just the 1st, while subordinating the second. However, since you have no equity, you won't get ANY loan.
As many of the indoors maximum loan stability as you will get down is stunning simply by fact as all of us comprehend maximum of in the present day's housing values are without postpone reducing. in case you pays off the 2d and not strap your self i could say refinance the 1st and since the 2d is fixed besides. finding on your state i'm able to refer you to somebody in case you ought to communicate with somebody.