[frithguild]

This is all assuming you have at least 20% equity in the property, by a current evaluation.

These days, you won't get the best rate unless you are going 60% loan to value or less.

[AppyPappy]

Let’s see, I owe $120k and the house is worth $380k according to the government and 320K according to the bank. Walkalloverya is offering 4.875 with no points for a 15 yr note here.