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With 3% on your modified loan, you should look into getting a separate second loan, Home Equity Loan or Home Equity Line of Credit. That would be more sensible than a full refinance which IF you could qualify for would end up raising your interest on what I suspect would be the considerable majority or the debt (current mortgage loan vs amount of cash you want).To answer the question, modified loans can be refinanced under certain circumstances, one of which is usually 24 months of payments made timely after the modification.
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