refinance my 80/20 loan in Colorado??

Refinancing would allow you to take advantage of the low rates and well as eliminate your second mortgage all together. If you have the equity, an 80% loan to value first mortgage would be the best way to go. I would be happy to answer any other questions that you might have. Please feel free to call at your convenience. Nick Bebout, American Liberty Mortgage, Denver. 303-407-0824

Now is a great time to refinance. You should take advantage of the low interest rates being offered right now. With the lower payment you could put more money into savings, pay down a credit card faster, maybe afford a new car. If you do have a loan to value less than or equal to 80% you will avoid mortgage insurance on a conventional loan. Feel free to give me a call, Tom Winberry, Geneva Financial, LLC, San Diego CA ,602-312-2192

Keep your business local. You should consider USDA loan as you are in a rural area. Jason Berman 970.455.4131

Depending on when you originated your loan, it's possible to combine the two into one loan at a much lower interest rate.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Your the last of the Mohicans! Fyi the feds are looking for any port in the storm to start raising long term rates and the trend seems to be upward, really don't know how long this rally will last, I would not play the fence sitter card, even know over the past year rates have only moved a quarter max,. know might be a good time to make a move,. I have 30 years in the financial market , Arthur Candelaria (800) 308-4999

Your the last of the Mohicans! Fyi the feds are looking for any port in the storm to start raising long term rates and the trend seems to be upward, really don't know how long this rally will last, I would not play the fence sitter card, over the past year rates have only moved a quarter max up or down,. Now might be a good time to make a move,. I have 30 years in the financial market , Arthur Candelaria (800) 308-4999

As you know we have had some incredible increases in property value this last year. If you have enough you may be able to refinance your 1st and 2nd into one loan. If not, you may be able to refinance your 1st and keep your current 2nd. It will depend on the value, your credit, income, debts and property. If you have additional questions you can reach me at 303-521-7169 or you can apply at www.mylendersean.com, best wishes, Sean