Can you refinance a home equity loan without refinancing your mortgage?
106740
I believe you can.  I work for a mortgage company.  Perhaps we can help you.
865200
Yes, you should be able to refi the 2nd with no problem, assuming all the other credit issues are clear.  A neutral site I like with a lot of information on refinancing is at http://www.refinance-and-loans.com/ and they have a section in their topics on refinancing second mortgages.
20658
If you can't get funds from a bank, you might consider going into a partnership with a real estate investor. Have the redeem the loan for a certain percentage of the equity in the house. Agree to either sell or refinance the house within a specified number of years. \n\nYou will be giving up a chunck . . . however, you will not lose your home, you will NOT have a foreclosure on your credit report which will cost you in high or denied interest rates for many years, and within a couple years, if you keep your credit in spotless shape, you should be able to refinance and get back on track.
1181486
cyou can refinance a va home loan through any mortgage company or bank, but if you want to try and keep tour va staus, make sure you contact a mortgage company that specializes in va loans.  there are several websites that off er this type of loan; just type in "refinancing a va loan".
340242
If you already own your home, you can take a loan out for both amounts as long as you have enough equity in your home. If you are purchasing a home, you can not typically add additional money to your loan.
863186
It depends on the lender. Some have seasoning requirements. Some have 6 months, some have 12 months. There are also lenders that don't require seasoning, but they are usually non-conforming and depending on  your credit, 2 years previous rental or mortgage history, along with the 4 months mortgage history that you have with you're new mortgage, their rates might not be any better then the rate you have now. Call a few mortgage brokers and ask them if they have any lenders that will do a rate/term refinance with no seasoning requirements. Also, make sure that you don't have a pre-pay penalty with your cuurent mortgage. Sone lenders charge a huge pre-payment penalty.\n\nGood Luck!
374794
Depending on your credit score- I would say refinance now to take advantage of todays market as rates are moving up.  Certainly get out of your HELOC as I'm sure you have seen that rate go up dramatically in the last year and it is expected to go up about another 0.5% in the next 6 months.  If you have the room as far as equity goes in your home, it would seem you are in prime position for a refinance.
354686
The owner needs to go to the register of deeds and request the new name be added in addition to theirs, you should not have to refinance at all. We live in Wisconsin, and just did it without refinancing at all.
593907
Mahit Madaan is giving you part of the truth.  More of the truth is that a Home Equity loan is a 2nd mortgage at a higher sometimes much higher interest rate.  This will depend on your credit and credit score of course.  You will end up with TWO mortgage payments, one at a lower rate and one at a higher rate.  The qualifications for a 2nd mortgage are a bit more steep because with a 2nd mortgage, you become a higher risk.  Many times two mortgage payments may stress your monthly finances in ways that you may not notice until after you close.  Conversely, if you refinance your first mortgage, you will only have ONE mortgage payment.  Obviously, the rate will be slightly higher than what you have at the moment, but you will avoid the sometimes MUCH higher interest rate on the 2nd mortgage, and instead of amortizing the 2nd mortgage for the usual 15 year period, the entire mortgage can be amortized over 30 years or 40 years, thus lowering the monthly payment.  I am telling you this because I have refinanced many, many customers who wanted and needed to consolidate 1st and 2nd mortgages to lower their monthly mortgage payments.  If you want to discuss this further, by all means, please contact me at wwi_2@yahoo.com
252799
Not that I know of, most HUD and VA loans are for the full Purchase Price of the Home. Now, what you may try, talk to a Bank Loan Originator and see if you maybe able to Refinance the Home through HUD adding on the Additional Equity you are wanting, in the Form of Energy upgrade improvements! Does not cost anything to Ask. Many Banks may offer you a deal too just to get your Business. Basically all HUD and VA loans do is get a person into the House for less upfront money, they really not have a Special Interest Rate as most Banks offer good rates because of the Competition. Also, I would say the now you want a Fixed Rate Mortgage, a Variable rate can move up and down with the Prime Rate and right now about the only direction the Prime may move would be up.
690336
Interest rate has been going up regardless whether you are using libor or other interest benchmarks.  At this point even if you refinance you won't get that good a rate, plus the penalty you will have to pay.  Most lenders will allow you to extend your mortgage amortization period and keep your monthly payment the same.  Talk to your lender and see if it is an option.  My other advise is to make extra payment whenever you can.  Good luck.
771501
If you own the house you can refinance it.  Just be aware that if your loan amount(s) exceeds the selling price, you will have to bring money to the closing.
218758
Do not refinance and pay off the debt, UNLESS you have more financial discipline than you did when you ran up the high debts in the first place.\n\nRight now, the growth in the equity in your home is like a forced savings account.  You may need this forced savings for more critical things in the future (loss of a job, a health emergency, retirement).\n\nIf you refinance and pay off the debt and THEN, feeling relieved of the burden, go on a spending binge and run up your debt again, you will be left with high debt, little equity, and a significant risk of having your home foreclosed.\n\nDo not take the advice of those pushing their refinancing loan products without really thinking about your personal situation and being honest with yourself about your own financial discipline.\n\nIf you HAVE developed disciplne (older and wiser), you might want to consider taking out an equity loan for a portion of your equity and paying off the highest rate debt that you have.  If this works well, once you've paid off the equity loan, do it again and pay off more of your highest rate debt.  I'm, of course, assuming that your equity loan rate is lower than the debt that you would be paying off.
954870
In the US that is called a cash-out refi.  You refinance your mortgage and take equity cash out.  Do you have much equity?
828295
You  can't do it with the plus loan, but you could refinance with a private load that allows it.  I don't recommend it though.  Paying interest only you will never get the loan paid off, and the difference in the payment would not be that much since at the begining, the largest part of your payment is interest.
476390
take a loan on the equity of your property.  it will be like a new mortgage
1163685
you can refinance with a lien on your property but you would have to have a subordinate agreement from who ever holds the lien if they are willing to do so.  bankruptcy if it is a chapter 13 can discharge liens but that is because you would have paid them off.  not in a chapter 7