I have a current mortgage rate of 5.5 & an...

[scwgems]

...equity loan rate of 7.79. Is there a loan where I can combine them?

[dennis s]

As a former loan officer, first of all I would need to know if the home equity loan or the current mortgage is adjustable. If they are get out of them. Look for a mortgage with zero or no points. If you do want to re-finance the second mortgage loan will have to be added to the new mortgage. What did you use the funds for? Vacation, car or credit card balances and do you want to spread them out over a long period of time. I suggest that you talk to your local bank. I do not like mortgage companies and I do not like adjustable mortgages.

[jen15484]

You absolutely can! But it of course depends on many factors. My company, Valley Capital Funding has programs available for every type of borrower in almost every circumstance!! We have a new product available to help clients pay their home off years earlier than scheduled all while keeping there bills the same!!you can call me on my direct work line for more info...616-477-0410. my name is Jennell