When I bought my house, I didn’t have 20% down. Because of that, I had to finance the difference between my down payment and the 20%. This interest rate is around 12%. I also had to have a loan for 80% of the homes value at about 6.5%. What I want to do is refinance the entire amount owed into one loan payment for less than I am paying now. Is it possible or would I have to keep both loans?
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