Looking for a creative solution to refinance 1st or 2nd or a combination with the given scenario.1st Mortgage 400k at 5.875%Escrows 27k 2nd Fixed Equity 119k at 6.25%3rd Line of credit 114k at Prime + .5 ---------------------------Total comes to 660k ----------------------------Aprx House Value 700k to 730k (Zillow Zestimate is 744k)Fico Score 685Revolving Debt 80kCar Payment $600/MonthFull time Employee 14 yearsSalary (Gross) 160k/yearOther Income(Spouse) 30k/yearQuestions:Should I refi just the first which mandates me to pay the escrows?Should I pay of 1st and 2nd which makes it a jumbo loan which may limit my ltv to 80%?Should I combine all three?I tried with TD Bank few months back, they told me that with 685 Fico score its hard to do a 30 year fixed. Now I learned from Tru Mark Credit Union that with 685 Fico I can do a 10 year Arm which I am happy to pursue.Please, Please suggest me a solution and direction so I can save atleast $1000 to $1500/month and also Bring the interest down.Thanks,Indu April 26 2013 - Exton00YesReport 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.