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1st is FHA, 2nd is HELOC both owned by BoA (via Countrywide). 1st is 6.5%, 2nd is variable, but luckly has been low at 8%. My score is 770-810, I have never been late and leaving is not an option. My wish is to consolidate both, ending the ever present threat of the variable HELOC and probably lowering my monthly payment. I have always paid more than whats due on both, but it seems the balance never moves on my HELOC. Please help me get from under this rock.
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Purchased 04' @ 120k, currently 102k.30k HELOC in 06', closed in 08'. $23.6k, currently 21kThe most depressing is the Zestimate of 79k. I feel partly from the short sales & foreclosures in my immediate areaCan I make anything good come of thie combination?
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