Any daylight in a possible refi?Is it possible to do a refi that will consolidate my 1st mortgage and HELOC?Property is in SF, CABalance on 1st: 479KBalance on HELOC: 81KTHe HELOC was opened after the 1st mortgage and has not been accessed since 2010?Appraisal (for refi) in July of 2010: 715KLTV = 22%TIADecember 03 2012 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.