Should I refi ?Currently owe 212K on Mortgage. House value approx $275k. 5/1 ARM at 4.25% resets in May. Also have HELOC of $40k.Looking to go with 15yr at around 4.5% quoted. Based on calculators Payment will wind up being same for 15yr/4.5% since at present I pay additional $400/month in principal for my 5/1 ARM at 4.25%Can I refi primary mortage with another lender and keep HELOC separate rather than rolling it into one mortgage amount ?January 08 2009 - US00YesReport 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.