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Refinance 1st loan in howard county, MD

I have two loans in Howard County, Maryland. The first one is conventional with maximum amount of $494000 (30 year fixed) and the second a heloc to 100K.
Appraisal came to 668K four months ago when I brought it. Now I want to refinance only the first loan leaving the second as it is. Is that possible. If so what is the best rate I would get.
Ideally I would like to use the appraisal that I had already had just to avoid the surprises. Also would like to rollover the closing costs.

I am having a current rate of 3.625% (which is not too high) and I am just exploring to see if it is worth it to refinance so early. 
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January 03 2013 - Clarksville
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Answers (2)

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Sorry, not a solution for you - but am curious. Where were you able to get 3.625% at 90% CLTV? I am looking for a program like that - but not able to refinance my 85% LTV loan without paying PMI. 
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January 21 2013
It does not seem worthwhile to refinance with the rate you already have unless you would like to transfer some of the balance from your Heloc to a fixed rate first mortgage. Reach out to me in my profile if you would like to explore this in further detail.
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January 03 2013
 
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Refinance 1st loan in howard county, MD
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January 21 2013 | 2 answers
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