How does an 80/20 loan refinancing needs?

In May 2003, my husband and I bought a house. We have a ready 80/20 to cover costs. 80% of the loan is a fixed rate of 5.25%. 20% of the loan began at 6.25% and currently stands at 9.25 &. The loan will adjust again in May. The loan is 20% as a second mortgage? How can I refinance now and get a reasonable price? My husband and I almost excellent Kredit.PS as a side note, the house we have on the mortgage now worth about $ 20,000 less than we paid for roll and loans and the issue goes beyond.

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