can i refi primary mortgage and not the secondary mortgage?

You certainly can. This is called subordinating. You would need to request this to be done by the 2nd mortgage company. They typically will charge a minimal fee to do this. Typically with subordinations they will not allow any cash back to the consumer at closing.

Yes.( possibly ) ...check with whomever you plan to refinance asap with deatiled #s so that they can check the loan to value and combined loan to value criteria on your need

Often you can. First step would be to get the 2nd mortgage lender to agree to "resubordinate" their loan to the new first mortgage. The second step would be to check with the lender you are using for your refinance to make sure that they will make a new first mortgage in the amount that you wish to borrower given that you will still have the 2nd mortgage and also given the current appraised value of your home. Hope this helps! Call if you need more.Jim Crowder (303) 817-3308

Yes typically you can

Yes it is possible, if other factors will allow it. It will depend on the loan to value for your first and what your combined loan to value is with your first and second mortgage, the second mortgage company has to agree to subordinate their position so you can refinance the first mortgage. Then on top of that you being able to qualify income, debt, job stability, assets and credit. I would speak with a local loan officer or two and have them review your information to let you know what your options are. If you have any further questions you can reach me at 303-521-7169 , best wishes, Sean