Which one to pay of first or to prepay on all of them equally

I have 3 loans against my house, when I bought my house for 145K 3 years ago I had a 80/15/5 loan (to avoid PMI). And 2 years ago I got a HELC for 15K

Loans – (current balances) [monthly payment]
#1 – 116K (112K) @ 6% fixed for 30 years [6]
#2 – 21,750 (19,860) @ 6.75% fixed for 30 years [5]
#3 – 15K (14500) 4.25% adjustable for 20 years

My monthly payments for #1&2, including taxes are 01. (I prepay my insurance) payment for # 3 varies but is 5 per month right now.

I CANNOT refinance, I have tried for 3 months now, with different companies, the numbers don’t make sense, and there is too much cost for it to help me.

I dont live in the property; it is a rented for 50 per month.
I dont have any plans to sell it.

maybe i will try to refi or sell in a year
If you know of an online calculator where is can put in all of my figures and do it myself, i looked but coulnt find one.

Technorati Tags: 3 years, amp, avoid pmi, different companies, helc, insurance, insurance payment, loans, numbers don, online calculator

Say if you’ve paid on the mortgage for 8 years & refinance, does the loan start over from the beginning? I don’t understand how it works

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My husband & I purchased our condo with two loans from Bank of America: a 5/1 ARM @ 5.25% and a 2nd mortgage @ 6.75%. I would like to refinance our mortgages before the rates adjust. However, the value of our home has decreased over 0K. I have called Bank of America to get a loan modification and the woman I spoke to said we do not qualify. Is anybody else having this problem and how did you get a refinance?

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I pay-for-click with yahoo, as if that is not enough, yahoo is using my domain search to advertise its websites, and aloud others to do so as well.

Proof of keyword search, "aapexmrtg" and result is listed bellow.

Yahoo! Answers - what is a REVERSE MORTGAGE and how does it work?
… Aapex Mortgage - No money down… www.aapexmrtg.com …answers.yahoo.com/question/?qid=1006060124154 - 32k - Cached - More from this site - Save

Find Today’s Rates on Mortgages, Refinance Loans, Home Equity Loans, and Mortgage Calculators on Yahoo! Real Estate
… No money down and 100% financing for first and second homes. www.aapexmrtg.com. Mortgage Loans Information Center …realestate.yahoo.com/loans/?sc=va&full=Virginia - 28k - Cached - More from this site - Save

Yahoo! Answers - is rajarhat in calcutta a good place to invest in property ?
… Aapex Mortgage - No money down… www.aapexmrtg.com …answers.yahoo.com/question/?qid=1006050601108 - 28k - Cached - More from this site -

Technorati Tags: amp, calcutta, domain search, home equity loans, information center, money down, mortgage calculators, mortgage loans, mortgages, proof, real estate, realestate, what is a reverse mortgage, yahoo, yahoo answers

I have a mortgage & home equity line of credit with the same lender. The rate on the equity loan is currently 2.5% (prime - 3/4). I was thinking of refinancing my mortgage and taking out a little cash to pay off some credit cards. My question is, if I refinance my mortgage do I have to pay off the balance on my home equity loan?

Technorati Tags: amp, credit cards, equity line of credit, home equity line, home equity line of credit, home equity loan, mortgage

http://www.bankrate.com/calculators/mortgages/refinance-calculator.aspx

http://www.lendingtree.com/mortgage-refinance/calculators/

http://www.bankofamerica.com/loansandhomes/index.cfm?template=learn_calculators&context=financenter&calcid=home11

I used each of these mortgage calculators to see if I should refinance, using the same conditions for each one. I have gotten answers from I will save K in interest (bankrate) to I shouln’t refianance (lending tree). What gives? Some ask for a savings rate and some don’t.

Which do you think is most accurate?

Technorati Tags: amp, calculator, lending tree, mortgage calculators, mortgages, refianance