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Is there refi help for people who have a 1st / 2nd mort. but not the 80% loan to equity?

I have a 1st Mortgage of $225K and HELOC of $198K and Zillow values my home at $404K (range of $352K - $473K). I have spoken to both banks and they need a loan to equity value of about 80% before either bank will consolidate the loans. Are there any programs or banks that will consider a higher (say 100%) loan to equity?
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August 26 2012 - Frederick
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You might be able to get "half a loaf" by refinancing only your first mortgage if it is eligible for HARP.  Worth looking into. 
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August 27 2012
Fannie Mae and FHA only allow 85% cash out.    Who is your second with?   Some people have worked out a settlement with their current second mortgage compmany.   Offer them a pay off if you have money in another acccount.  

Good Luck!
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August 26 2012
 
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