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Can I refinance my home if I have less than 20% equity with my mortgage and home equity loan combined?

The value of my home has declined but I would like to get a lower interest rate, especially on the home equity loan. Help.

Should or CAN I combine my Mortgage… together)? In 2006 I purchased a home for $109,000, I took out a mortgage for $87,200 at 6.75% (30 years fixed) and a home equity for $10,700 at 8.74% (20 years fixed) and put down…
refinance and home equity loan The wife and I are looking into getting a home equity loan to consolidate some debt and possibly refinancing our mortgage with the low rates that are out there now. I'd like to get our…
Should I refinance Home Equity loan to… buying a new house in 120 days)? Consider this: 1. I have $30k in credit card debt. 2. I have a 1st mortgage for $200k (4%) and a Home Equity line of $170k (at prime…
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