Can you refinance your 1st mortgage if you have a home equity loan?

Yes. You must either pay off the home equity loan separately or with the refinance, or you must request that your home equity lender "subordinate" your loan. This means they sign a written and recorded agreement that allows your new first mortgage to be recorded on title in place of the old one and the home equity lender agrees to state "subordinate" to the new first.

Your refinance loan officer or title company can make this request for you.

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