How do I roll my 1st and 2nd into one payment? I owe 140k on the first and 22k on the 2nd.

You have to refinance them, call me 281-833-9424. I can help you NRL Mortgage

That would be a "cash out" Refinance, but in TX.. there are specific rules that must be followed (A6 Laws).. so it's best you use someone local.. .. 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

It may or may not be considered a "cash out" refinance, depending on if the 2nd was used to purchase the home, and also depends on the loan program and if the 2nd is a HELOC and if it has been accessed in the last 12 months. Need more specific information to help. Be best to contact a local mortgage originator to help you with options.

You will have to refinance them. Call me at 409-939-9389Visit my site to appy: bethmoore.nrlmortgage.com