Is it possible I could do refiannce?I am in Bay area.My property value is around $500K as to the market. My 1st loan balance is around $450K from ING and 2nd home equity loan around 32K from BOA. ING will not give me rate adjustment while my current rate is 4.5%. Is it possible I could do refinance for my property ? If necessary I can pay off some amount of principal.All advices are appreciated.October 22 2012 - US0YesReport 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.