Open Question: Should or CAN I combine my Mortgage loan with my home equity loan (Refiance together)?

In 2006 I purchased a bag for $109,000, I took discover a mortgage for $87,200 at 6.75% (30 eld fixed) and a bag justness for $10,700 at 8.74% (20 eld fixed) and put down $10,000. I did this so I could refrain PMI which I did. But today I poverty to refinance since my evaluate is preposterously high. Can I consortium these two loans now, currently at $83,000 and $8100 = $91,100 combined? At my topical assign organization the evaluate they show is 5.185 % (at HSBC now). Gonna live here for at small 6 more eld maybe more until my parents delude their home. Gonna talk to them but meet desired whatever brainwave before I went. To intercommunicate something added in I meet won $12,000 and was intellection of meet paying off the Equity loan but wasn't trusty if I should equip it instead? Was gonna open a roth FTO for a withdrawal money maybe with $3000 of it since I'm in my baritone 30's..Other Article:

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