A great source for lender referral - ck with the realtor you utilized or know and trust.
If you refi your Line of Credit into your first mortgage and the line of credit was not created at the same time you bought your home. Lenders will consider your loan a cashout loan even though you are not technically gettting cashout now. (Higher rate)
Fixed rate seconds are hard to find and if you do find one the rate will be high.
You can obtain a HELOC (Home Equity Line of Credit ) - which allows you to fix the rate at any time and some lenders allow you to unfix the rate and utilize the remaining balance of your loan over the first 10yrs..
So bottom line, your current LOC may allow you to fix the rate w/o refinancing.
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