Zillow Advice: Refinance - if I have a mortgage but also a home equity line of credit can I combine the two into one mortgage http://www.zillow.com/advice-thread/if-I-have-a-mortgage-but-also-a-home-equity-line-of-credit-can-I-combine-the-two-into-one-mortgage/423343/ Zillow Advice | Zillow Real Estate well, since you already know, ... http://www.zillow.com/advice-thread/if-I-have-a-mortgage-but-also-a-home-equity-line-of-credit-can-I-combine-the-two-into-one-mortgage/423343/ well, since you already know, from all the responses, that &nbsp;combining both <a href="http://www.zillow.com/mortgage-rates/">loans</a> &nbsp;is a possibiity... and depends on a number of things............ let me simply say.......Congratulations on your new baby!!<br/><br/>all the best........... Tue, 29 Nov 2011 05:52:00 GMT http://www.zillow.com/advice-thread/if-I-have-a-mortgage-but-also-a-home-equity-line-of-credit-can-I-combine-the-two-into-one-mortgage/423343/ 2011-11-29T05:52:00Z Yes but there may be&nbsp;better ... http://www.zillow.com/advice-thread/if-I-have-a-mortgage-but-also-a-home-equity-line-of-credit-can-I-combine-the-two-into-one-mortgage/423343/ Yes but there may be&nbsp;better options.&nbsp; Make sure you ask for a "NO CLOSING COST OPTION" Tue, 29 Nov 2011 04:30:00 GMT http://www.zillow.com/advice-thread/if-I-have-a-mortgage-but-also-a-home-equity-line-of-credit-can-I-combine-the-two-into-one-mortgage/423343/ 2011-11-29T04:30:00Z The short answer is Yes of ... http://www.zillow.com/advice-thread/if-I-have-a-mortgage-but-also-a-home-equity-line-of-credit-can-I-combine-the-two-into-one-mortgage/423343/ The short answer is Yes of course you can roll both <a href="http://www.zillow.com/mortgage-rates/">loans</a> into one new loan. The long answer is we need more information.<br/>&nbsp;#1 What is the combined total of both <a href="http://www.zillow.com/mortgage-rates/">loan</a> balances?<br/>#2 What is the current value of your home?<br/>Knowing the answers to these two questions will determine if you can do it or not. Sat, 19 Nov 2011 16:05:00 GMT http://www.zillow.com/advice-thread/if-I-have-a-mortgage-but-also-a-home-equity-line-of-credit-can-I-combine-the-two-into-one-mortgage/423343/ 2011-11-19T16:05:00Z Is it possible to combine ... http://www.zillow.com/advice-thread/if-I-have-a-mortgage-but-also-a-home-equity-line-of-credit-can-I-combine-the-two-into-one-mortgage/423343/ <p>Is it possible to combine an equity line and a 1st mortgage?&nbsp; Yes.&nbsp;<br/><br/> Can you?&nbsp; That would depend on several things: 1) when was the last time you took a draw on the equity line?&nbsp; How much is the home worth?&nbsp; What are the balances on the two loans?&nbsp; What is your credit score?&nbsp; What is your income, and what is its source?&nbsp; What other bills do you have?<br/><br/>Sorry.&nbsp; You probably wanted a simple answer to what you thought was a simple question.&nbsp; The truth is the answers to all of these questions are needed to determine what options you might have.</p> Fri, 18 Nov 2011 21:31:00 GMT http://www.zillow.com/advice-thread/if-I-have-a-mortgage-but-also-a-home-equity-line-of-credit-can-I-combine-the-two-into-one-mortgage/423343/ 2011-11-18T21:31:00Z all depends onequity in home ... http://www.zillow.com/advice-thread/if-I-have-a-mortgage-but-also-a-home-equity-line-of-credit-can-I-combine-the-two-into-one-mortgage/423343/ all depends on<br/><br/>equity in home ..what are balances on <a href="http://www.zillow.com/mortgage-rates/">loans</a> and <a href="http://www.zillow.com/local-info/">value of home</a> ?<br/>your ability to qualify Fri, 18 Nov 2011 14:24:00 GMT http://www.zillow.com/advice-thread/if-I-have-a-mortgage-but-also-a-home-equity-line-of-credit-can-I-combine-the-two-into-one-mortgage/423343/ 2011-11-18T14:24:00Z What are the balances of ... http://www.zillow.com/advice-thread/if-I-have-a-mortgage-but-also-a-home-equity-line-of-credit-can-I-combine-the-two-into-one-mortgage/423343/ What are the balances of both <a href="http://www.zillow.com/mortgage-rates/">loans</a> and the estimated home value? Fri, 18 Nov 2011 13:51:00 GMT http://www.zillow.com/advice-thread/if-I-have-a-mortgage-but-also-a-home-equity-line-of-credit-can-I-combine-the-two-into-one-mortgage/423343/ 2011-11-18T13:51:00Z Quite possibly. If you were ... http://www.zillow.com/advice-thread/if-I-have-a-mortgage-but-also-a-home-equity-line-of-credit-can-I-combine-the-two-into-one-mortgage/423343/ Quite possibly. If you were able to get an Equity Line, last year, that is a good sign. Have you spoken to your current first <a href="http://www.zillow.com/directory/lenders/">mortgage lender</a> to see if they could combine the two? Fri, 18 Nov 2011 13:48:00 GMT http://www.zillow.com/advice-thread/if-I-have-a-mortgage-but-also-a-home-equity-line-of-credit-can-I-combine-the-two-into-one-mortgage/423343/ 2011-11-18T13:48:00Z