Please help with some advice. Due to this board I've been able to secure prime CC's for the first time in awhile. My Beacon score is up 100 points in 8 months thanks to all of you. I have one last goal to accomplish and that has to due with my mortgage. Currently I'm at 8% Countrywide bankand owe $135,000. My second mortgage was a stated value loan for $32,000 at 17% with household bank.. So total I owe $167,000 and my house is worth $165,000-$172,000. Of course i would like to combine the two at 7% or lower to save money, etc. Should I refinance both or just the second? TU score is 601, EQ is 680, EX is 671. Please help!!! And thanks again !
