Looking to refinance my 1st and 2nd to one payment with no out of pocket fees.

Much more info needed, but in general, this is done all the time so it shouldn't be a problem.. Depending on the loan product you go with, will determine how much equity would be required in order to refinance.. It's best that you contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

You can surely do that if the equity is there. If you took the 2nd out a different time than when you purchase it would be considered a cash out loan and the amount you can borrower vs what the home is worth would be limited more. I am a local SC full service Direct Lender (Homestar Financial) and would be happy to assist. Please contact me during business hours of 9:00 to 5:00 tomorrow and we can go over things. - Robert Tyree / Branch Manager 864-386-4338 Robert.Tyree@Homestarfc.comReviews: http://www.zillow.com/profile/Robert-Tyree/

As long as th value supports it, you should be able to pay off both with no problem and not bring anything to the table.

SharonI would be glad to talk through what best fits your mortgage needs. Please give me a call at Mortgage Options 843- 998-9559. Thanks