The value of my home has declined but I would like to get a lower interest rate, especially on the home equity loan. Help.
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hmm… not sure if they’ll refi you, but I called my bank and asked for a loan modification and dropped my interest rate a couple points.. I only went out of pocket about $300 and saved myself $300 a month on my mortgage.. so, call your bank and just ask them if they have any loan modifications or “streamline” refinance options available.
If you have enough cash to buy one of them down so that you are under the 80% LTV, sure, you can do it.