Can you refinance your home for a lower interest rate if the Loan-to-Value is 100%?We would like to refinance our town home for a lower interest rate and payment. The problem is that we believe we may owe more on it than it will appraise for. If the appraisal comes in too low, then we will not refinance. Do we still have to pay for the appraisal if we choose not to proceed with the refinance? Zillow.com has the estimate on our town home almost $15K less than what we owe! What should we do? How can we find out the real value on our home and if we are able to refinance? June 15 2010 - Lennox Village00YesReport 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.