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Aug 13, 2012 at 19:42 comment added KeithS On top of that, home values have been declining (though they did seem to bottom out last month) so you may have gone backwards on the loan. You'll have to get the home appraised as of when you apply (the bank will actually do that and will then charge you for it in the loan's closing costs)
Aug 9, 2012 at 1:35 history tweeted twitter.com/#!/StackFinance/status/233375867412312065
Aug 8, 2012 at 22:59 comment added JTP - Apologise to Monica Mike - 20% on a 5 month old mortgage means you have a few thousand above 20% at best. mhoran's answer below was on track with some of my other thoughts.
Aug 8, 2012 at 22:44 answer added mhoran_psprep timeline score: 2
Aug 8, 2012 at 21:44 comment added Mike Guess I didnt put in the exact numbers... we payed 20% at closing 5 months ago so a little more than 20%. Have not spoke with the bank. I guess the other option is to contact my wifes student loan company and see if we can consolidate into one
Aug 8, 2012 at 17:04 comment added JTP - Apologise to Monica You have just under 20% equity. I'm not so sure HELOC is an option. Have you asked a bank?
Aug 8, 2012 at 14:58 history edited Chris W. Rea CC BY-SA 3.0
added 11 characters in body; edited tags; edited title
Aug 8, 2012 at 13:56 history asked Mike CC BY-SA 3.0