Refinancing a home using previous appraisal? Need refinance help!Hi all - I'm really interested in refinancing my house, but am not sure the best route to go about it, and could really use some experienced advice. I've done a lot of research on mortgages and such, but still need some help!!! Some quick background details -- Been in the home 3 1/2 years - paid $126,400 for it, and used an 80/20 loan to do so. 80 loan was a fixed 30 year, at 5.75%; the 20 was a 15 year at 6.6%.- We almost refinanced in August with an online lender, but pulled out near the end of the process because the closing costs crept higher and higher, and weren't happy with the communication (or lack thereof) we were getting.- But...we did an appraisal, at a cost of $525, for that refinance. The appraisal came in at $126,000.With all that said, we still really want to refinance to take advantage of low rates, and to lower our monthly mortgage payment to help with other costs. My questions, then -- Is it possible to refinance through a reliable lender using the appraisal we just did? It doesn't seem like much, but we'd really like to not eat that $525, and go through the appraisal process again...it was on 8/29/11, and from a nationally licensed appraiser.- Our current loan balance is roughly $113,000, which leaves us at 89% loan to value. Is there any way to combine the 2 loans into one at that LTV (we're ok with some PMI)?We're looking at 30 year fixed loans, and plan on staying in the home at least 4 more years...and, if it helps better answer, we have excellent credit.Thanks to any advice or suggestions anyone can give!!!!!!November 27 2011 - Bangor0YesReport 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.