REFI in FL - Is it possible with HELOC?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.July 11 2012 - Jacksonville00YesReport 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.