Can I refinance a mortgage if I had only a few months?

Problem, we recently had our house for sale, but have since changed my mind. We applied for a loan on the net through our small local bank (17,000), if my husband could buy a car and we could pay some bills. In the meantime, when co mortgage over, we asked for this loan, we want them to consolidate all our debts and save us $ 600 a month, even if we double our payment terms. So we went with the utmost cooperation, but after going through the whole process with them, they came back and said that since our house was recently on the market, it should wait 60 days to obtain a loan. (This would be a 100% LTV) My question is whether we are prepared to the smallest of our bank (which is not only 100% LTV loans) could go, we have, in fact, a home equity loan few months later receive street to repay the loan 17000 and also pay the remainder of our debt? Is there a rule on how long after getting a mortgage loan before applying for other

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