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Refinance of your primary loan with subordination of the second is the way to approach this. Chase approves pretty much all subordination requests for HARP refinances, haven't seen them give any trouble whatsoever on any of them.It sounds like your second has the conversion option, which at this point I would not recommend, to convert to fixed with that option will likley double your existing rate. You might want to consider stretching your primary out to 30 years, so you can funnel all the extra cash into paying down the second at an accelerated pace with goal to retire in as quick as possible.I'd be happy to review optoins with you if you would like to contact me through my profile.
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