Zillow Advice: Refinance - Refinancing a Non Freddie or Non Fannie Loan http://www.zillow.com/advice-thread/Refinancing-a-Non-Freddie-or-Non-Fannie-Loan/463059/ Zillow Advice | Zillow Real Estate Talk to another lender. With ... http://www.zillow.com/advice-thread/Refinancing-a-Non-Freddie-or-Non-Fannie-Loan/463059/ Talk to another lender. With a combined loan to value of 95% you should be able to refinance both loans into a new conventional 95% LTV or FHA. Sun, 07 Oct 2012 20:24:00 GMT http://www.zillow.com/advice-thread/Refinancing-a-Non-Freddie-or-Non-Fannie-Loan/463059/ 2012-10-07T20:24:00Z I do not think anyone would ... http://www.zillow.com/advice-thread/Refinancing-a-Non-Freddie-or-Non-Fannie-Loan/463059/ I do not think anyone would want to refi your roperty untilt he market value is somewhat more than the 250K you paid. Have a couple of agents do a market analysis. There is no cost to do it. You need to show some equity. It does not matter what type of loans you currentkly have. Sun, 07 Oct 2012 18:36:00 GMT http://www.zillow.com/advice-thread/Refinancing-a-Non-Freddie-or-Non-Fannie-Loan/463059/ 2012-10-07T18:36:00Z $190K on one and $40K on ... http://www.zillow.com/advice-thread/Refinancing-a-Non-Freddie-or-Non-Fannie-Loan/463059/ <p class="MsoNormal">$190K on one and $40K on the other.<br/><br/>Talked with CITI and they advised that I need to be late before they would look at rate reduction. Due to the nature of my job I cannot have a late payment ding on my credit.</p> Sun, 07 Oct 2012 18:27:00 GMT http://www.zillow.com/advice-thread/Refinancing-a-Non-Freddie-or-Non-Fannie-Loan/463059/ 2012-10-07T18:27:00Z what are&nbsp; balances and&nbsp; ... http://www.zillow.com/advice-thread/Refinancing-a-Non-Freddie-or-Non-Fannie-Loan/463059/ what are&nbsp; balances and&nbsp; approx&nbsp; market&nbsp; value of home ?<br/><br/><br/>Have you asked&nbsp; CITI if they can lower&nbsp; rates on either/ both loans ?<br/>if they cant&nbsp; - I think only&nbsp; option will be to pay balances&nbsp; down&nbsp; to a point where you have&nbsp; at a minimum of 5% equity and&nbsp; then look at&nbsp; refinance&nbsp; options Sun, 07 Oct 2012 18:14:00 GMT http://www.zillow.com/advice-thread/Refinancing-a-Non-Freddie-or-Non-Fannie-Loan/463059/ 2012-10-07T18:14:00Z